calgary new home guide - nov 7, 2014

SHOWHOMESYOU BELONG AT THE LAKE

INSIDE THIS ISSUE

3 REASONS TO BUY IN ACALGARY LAKE COMMUNITY

THE HEALTHY INDOORS OF TODAY’S NEW HOMES

CALGARY: CANADA’S HOTTESTREAL ESTATE MARKET – STILL

Nov 7 - Dec 5, 2014 Volume 17 Issue 12

NSageHill

144 AVE NW

SYMONS VALLEY RD. BEDDINGTON TR.

STONEY TR.

SARCEE TR.

SHAGANAPPI TR.

Beacon HillShopping

Nolan Hill Drive

Nolan Hill Blvd

NolanHill

Future SalesCentre Location

CREATIONS BY SHANE HOMESNOLAN HILL

URBANA

Phone: 403-536-2200Email: [email protected]*Pricing includes house, lot and GST.

Subject to change without notice.

No showhome currently on location.

Presentation Centre Opening Soon!

REGISTER TODAY!Go to www.creationsbyshane.com and visit our

upcoming communities page to register today!

www.creationsbyshane.com

Pre-SellingNovember2014!

DECO

kitchen

dining12’10 x 9’10 / 5’9

art nic

he

great room14’6 x 20’ / 10’

foyerW.I.C.

veranda7’5 x 4’

D.W.Ref.

UP DN

owner’s suite13’ x 11’10

W.I.C.

ensuite

W/D

opento

below

bedroom #29’7 x 10’1

bedroom #211’1 x 9’3

DN

COMING SOON!REGISTER TODAY!

main floor: 788 sq. ft. | second floor: 754 sq. ft.

IntroducesSTREET TOWNS

C R E A T I O N S B Y S H A N E H O M E S

starting from the upper $300’s

Two Storey Attached Homes with a Detached Garage | Ranging from 1,365 - 1,580 sq. ft.

No Condo Fees!

includes house, lot and GST.

4 NEW HOME GUIDE | NOV 7 - DEC 5, 2014

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IN EVERY ISSUE

8 Editor’s note

COLUMNISTS

20 Insight How to begin your landscape plan by Brad Jackman

44 Decoding the Code Protecting exterior plumbing pipes by Michael Nyikes

46 Calgaryism Three reasons to buy a new home in a Calgary lake community by Cody Battershill

48 Fundamentally Speaking Why you should always check your property boundary by Wayne Karl

50 The Homebuying Process Today’s new homes providing healthy indoor environment by Donna Moore

54 Mortgage Advice Collateral mortgages good mostly in theory by Alyssa Richard

IN THE NEWS

14 Real Estate Market Calgary hangs on as Canada’s hottest real estate market

16 Genesis Land Development Genesis to acquire $52.5 million of land in Southeast Calgary

HOMEBUYERS’ HELP

24 Style File Hot and new for the loo: Bathroom must-haves for 2014 by Jamie Banfield

28 Shane Homes offers outstanding value in Airdrie’s King’s Heights by Heather Ryan

30 Designer Advice Neutral territory by Yanic Simard

42 Designer Advice Jillian Harris – Canada’s ‘it’ girl by Sara Duck

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

55 Homebuyers’ Resource Section Mortgage calculator and rate table

contentsNOVEMBER 7 - DECEMBER 5, 2014 || VOLUME 17 ISSUE 12

ON THE COVER

p. 12HOPEWELL’S

MAHOGANYoffers ultimate lake lifestyle

PRESIDENT, WALL2WALL MEDIA

Jacqueline HillEDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeDIRECTOR OF SALES, NATIONAL

Josh Heppner SENIOR SALES MANAGER, WESTERN CANADA

Edwin RizarriART DIRECTOR

Tammy Leung

EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

Melanie Gowans Senior Media Consultant

403.200.8462Follow me on twitter @melgowansLike us on facebook; facebook/CalgaryNHG

PRODUCTION CO-ORDINATOR

Greg Van SluytmanGRAPHIC DESIGNERS

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Paul Slizys FOR ADVERTISING INQUIRIES PLEASE CONTACT:

403.200.8462FOR NATIONAL ADVERTISING INQUIRIES CALL:

416.263.6783

Calgary’s New Home Guide is published 13 times per year. We are located at 2891 Sunridge Way NE Calgary, AB T1Y 7K7. Phone: 587.226.1313. The magazine is free to the public.

COPYRIGHT 2014 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.

TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at [email protected].

district maps

Published By

24

28

20

11 Southeast

19 Southwest

23 Okotoks

27 Airdrie

35 Calgary East

37 Northwest

41 Cochrane

51 Northeast

53 Calgary South

Airdrie

21


When buying a new home, many people’s vision involves an expansive property in an

excellent location and at a great price – within easy reach of all the amenities you need and where you work.

If you’re lucky, you’re able to achieve all of this right off the bat. More likely, as prices rise and selection is increasingly determined by availability and affordability, you may have to compromise. Instead of a detached home in your number one neighbourhood, you find yourself looking at a semi. If a townhome is not quite within reach in your first area of choice, you may be considering a condo.

This is the exercise more and more homebuyers are going through these

Hot markets, cool opportunitiesCanada’s – and Calgary’s – strong real estate markets leave some prospective buyers exploring options to get in

Get it in writing And have your lawyer review your agreement

Buying a brand-new home offers you an opportunity to customize it to your liking. It can be a

dream come true and an investment for the future – but don’t forget, it’s also legal transaction.

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

Since building a home is much more complicated than a resale transaction where the unit and/or property likely already exists, there is

no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one builder/developer to another and from province to province.

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

//EDITOR’S NOTE

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

Follow me on Twitter at Twitter.com/SusanLegge

WAYNE KARL EDITOR Wall2Wall Media [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

days. Want a bigger property, move further out of the city. That used to be the fairly simple process. Now, complicated by issues such as transit and commuting times, the choices may not be so easy. In some areas, rising land acquisition costs are expected to make many buyers’ number two lowrise choice – townhomes – more expensive. Where to from there? A condo? That may not be a suitable alternative, if you have or are planning a family.

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

Airdrie

21

When buying a new home, many people’s vision involves an expansive property in an

excellent location and at a great price – within easy reach of all the amenities you need and where you work.

If you’re lucky, you’re able to achieve all of this right off the bat. More likely, as prices rise and selection is increasingly determined by availability and affordability, you may have to compromise. Instead of a detached home in your number one neighbourhood, you find yourself looking at a semi. If a townhome is not quite within reach in your first area of choice, you may be considering a condo.

This is the exercise more and more homebuyers are going through these

Hot markets, cool opportunitiesCanada’s – and Calgary’s – strong real estate markets leave some prospective buyers exploring options to get in

Get it in writing And have your lawyer review your agreement

Buying a brand-new home offers you an opportunity to customize it to your liking. It can be a

dream come true and an investment for the future – but don’t forget, it’s also legal transaction.

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

Since building a home is much more complicated than a resale transaction where the unit and/or property likely already exists, there is

no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one builder/developer to another and from province to province.

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

//EDITOR’S NOTE

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

Follow me on Twitter at Twitter.com/SusanLegge

WAYNE KARL EDITOR Wall2Wall Media [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

days. Want a bigger property, move further out of the city. That used to be the fairly simple process. Now, complicated by issues such as transit and commuting times, the choices may not be so easy. In some areas, rising land acquisition costs are expected to make many buyers’ number two lowrise choice – townhomes – more expensive. Where to from there? A condo? That may not be a suitable alternative, if you have or are planning a family.

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

THE HOMEBUYER’S BEST FRIENDTM

• 2013 CHBA •CALGARY SAM AWARDS

BUILDEROF THE YEAR

10

03 CRANSTON DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Shane Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Morrison Homes, Landmark Homes, Baywest Homes, Brookfield Homes RIVERSTONE OF CRANSTON BUILDERS: Albi Homes, Cedarglen Homes, Landmark Homes, Baywest Homes, Calbridge Homes www.livecranston.ca

04 WALDEN DEVELOPER: Genstar BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban

05 MAHOGANY DEVELOPER: Hopewell Residential BUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes, Homes by Avi ESTATE BUILDERS: Calbridge Homes, Morrison Homes, Homes by Avi www.mahoganyliving.com

06 McKENZIE TOWNE DEVELOPER: Mosaic Townhomes: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential

07 NEW BRIGHTON DEVELOPER: Brookfield Residential BUILDERS: Shane Homes, Cedarglen Homes, Morrison Homes www.livenewbrighton.ca

08 CHAPARRAL VALLEY DEVELOPER: Genstar BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK DEVELOPER: Remington Corporation BUILDERS: Cardel Homes, Birchwood Properties, Albi Homes

10 LEGACY DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes, Sterling Homes, Creations by Shane Homes, Innovations by Jayman, Calbridge Homes, Morrison Homes www.legacylife.com

›› SOUTHEASTCOMMUNITIES

01 AUBURN BAY DEVELOPER: Brookfield Residential BUILDERS: Brookfield Homes, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Innovations by Jayman www.liveauburnbay.ca

02 COPPERFIELD DEVELOPER: Hopewell Residential BUILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

MCLVOR

BLV

D.

16 AVENUE 16 AVENUE

32 AVENUECENT

RE S

TR

14 S

TREE

T

MCKNIGHT BLVD.

86S

ERTET

17 AVENUE17 AVENUE

GLENMORE TRAIL

52 S

TREE

T52

STR

EET

BARL

OW TR

AIL

Mac

LEOA

D TR

AIL

MacLEOAD TRAIL

DERSON ROAD

SHER

IFF

KING

STR

EET

SPRU

CE M

EADO

WS

HWAY

24 S

TREE

T

2 AVENUE

MARQUIS OF LORNE TRAIL

MEMORIAL DRIVE

BLAC

KFOO

T TR A IL

BOW BOT

TOM

TR

JAM

ES M

cKEV

ITT

DEERFOOT TRAIL

HLAND DRIVE

ELBO

W D

RIVE

SHAWNESSYBLVD.

130 AVENUE

McKEN

ZIE LAKE

MORE VOIR

EEK PARK

FISH CREEK PARK

CRANSTONAVE. SE SETON BLVD SE

CopperfieldDeveloper: Hopewell Residential Communities

Mahogany

Developer: HopewellBuilders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

Auburn Bay

Developer: Carma

Showhomes: Auburn Bay Blvd. SE Auburn Sound Manor SE Auburn Bay Gardens

Showhomes: Corner of Cranston Ave.& Cranarch Rd.

Showhomes: Walden Rise SE

Showhomes: Mahogany Heath SE.

Showhomes: New Brighton Dr. SE.

Builders: Heartland Homes | Cardel Homes | Cedarglen Homes | Baywest Homes | Jayman MasterBUILT | Albi Homes | Morrison Homes

1

McKenzie TowneDeveloper: Carma

ELGIN VILLAGEShowhomes: Elgin Meadows Green SE. Elgin Estates Park SE.Builders: Cardel Homes | Homes by Avi | Albi Homes | Heartland Homes

VILLAGE OF PRESTWICKShowhomes: Prestwick Blvd SE.Builders: Cedarglen Homes | Jayman MasterBUILT

Builders: Broadview Homes | Coco Homes Sabal Homes | Stepper Custom Homes

New Brighton

Developer: Carma

7

Builders: Beattie Homes | Cardel Homes | Cedarglen Homes | Morrison Homes | Heartland Homes | Homes by Avi

9

CranstonDeveloper: CarmaBuilders: Albi Homes | Beattie Homes | Cardel Homes | Cedarglen Homes | Trico Homes

Cranston Estates

Developer: Carma

Builders: Albi Homes | Landmark Homes | Baywest Homes

WALDEN

Developer: GenstarBuilders: Shane Homes | Cardel Homes | Innovations by Jayman | Excel Homes

southeast

2

5

6

3

4

4

10

8

5

2

76

13

9

THE HOMEBUYER’S BEST FRIENDTM

• 2013 CHBA •CALGARY SAM AWARDS

BUILDEROF THE YEAR

NOV 7 - DEC 5, 2014 | NEW HOME GUIDE 11

03 CRANSTON DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Shane Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Morrison Homes, Landmark Homes, Baywest Homes, Brookfield Homes RIVERSTONE OF CRANSTON BUILDERS: Albi Homes, Cedarglen Homes, Landmark Homes, Baywest Homes, Calbridge Homes www.livecranston.ca

04 WALDEN DEVELOPER: Genstar BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban

05 MAHOGANY DEVELOPER: Hopewell Residential BUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes, Homes by Avi ESTATE BUILDERS: Calbridge Homes, Morrison Homes, Homes by Avi www.mahoganyliving.com

06 McKENZIE TOWNE DEVELOPER: Mosaic Townhomes: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential

07 NEW BRIGHTON DEVELOPER: Brookfield Residential BUILDERS: Shane Homes, Cedarglen Homes, Morrison Homes www.livenewbrighton.ca

08 CHAPARRAL VALLEY DEVELOPER: Genstar BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK DEVELOPER: Remington Corporation BUILDERS: Cardel Homes, Birchwood Properties, Albi Homes

10 LEGACY DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes, Sterling Homes, Creations by Shane Homes, Innovations by Jayman, Calbridge Homes, Morrison Homes www.legacylife.com

›› SOUTHEASTCOMMUNITIES

01 AUBURN BAY DEVELOPER: Brookfield Residential BUILDERS: Brookfield Homes, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Innovations by Jayman www.liveauburnbay.ca

02 COPPERFIELD DEVELOPER: Hopewell Residential BUILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes


MCLVOR

BLV

D.

16 AVENUE 16 AVENUE

32 AVENUECENT

RE S

TR

14 S

TREE

T

MCKNIGHT BLVD.

86S

ERTET

17 AVENUE17 AVENUE

GLENMORE TRAIL

52 S

TREE

T52

STR

EET

BARL

OW TR

AIL

Mac

LEOA

D TR

AIL

MacLEOAD TRAIL

DERSON ROAD

SHER

IFF

KING

STR

EET

SPRU

CE M

EADO

WS

HWAY

24 S

TREE

T

2 AVENUE

MARQUIS OF LORNE TRAIL

MEMORIAL DRIVE

BLAC

KFOO

T TR A IL

BOW BOT

TOM

TR

JAM

ES M

cKEV

ITT

DEERFOOT TRAIL

HLAND DRIVE

ELBO

W D

RIVE

SHAWNESSYBLVD.

130 AVENUE

McKEN

ZIE LAKE

MORE VOIR

EEK PARK

FISH CREEK PARK

CRANSTONAVE. SE SETON BLVD SE

CopperfieldDeveloper: Hopewell Residential Communities

Mahogany

Developer: HopewellBuilders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

Auburn Bay

Developer: Carma

Showhomes: Auburn Bay Blvd. SE Auburn Sound Manor SE Auburn Bay Gardens

Showhomes: Corner of Cranston Ave.& Cranarch Rd.

Showhomes: Walden Rise SE

Showhomes: Mahogany Heath SE.

Showhomes: New Brighton Dr. SE.

Builders: Heartland Homes | Cardel Homes | Cedarglen Homes | Baywest Homes | Jayman MasterBUILT | Albi Homes | Morrison Homes

1

McKenzie TowneDeveloper: Carma

ELGIN VILLAGEShowhomes: Elgin Meadows Green SE. Elgin Estates Park SE.Builders: Cardel Homes | Homes by Avi | Albi Homes | Heartland Homes

VILLAGE OF PRESTWICKShowhomes: Prestwick Blvd SE.Builders: Cedarglen Homes | Jayman MasterBUILT

Builders: Broadview Homes | Coco Homes Sabal Homes | Stepper Custom Homes

New Brighton

Developer: Carma

7

Builders: Beattie Homes | Cardel Homes | Cedarglen Homes | Morrison Homes | Heartland Homes | Homes by Avi

9

CranstonDeveloper: CarmaBuilders: Albi Homes | Beattie Homes | Cardel Homes | Cedarglen Homes | Trico Homes

Cranston Estates

Developer: Carma

Builders: Albi Homes | Landmark Homes | Baywest Homes

WALDEN

Developer: GenstarBuilders: Shane Homes | Cardel Homes | Innovations by Jayman | Excel Homes

southeast

2

5

6

3

4

4

10

8

5

2

76

13

9


//COVER STORY

» by HEATHER RYAN

HOPEWELL’S MAHOGANY offers ultimate lake lifestyle

Presenting a new showhome parade, a full range of attractive housing styles, including the

new Island Collection of fabulous estates and numerous amenities highlighted by a new Beach Club that’s under construction, it’s easy to see why people are choosing to live in Mahogany.

Crafted by Hopewell Residential in southeast Calgary, Mahogany offers a four-season playground where homebuyers can experience the ultimate lake lifestyle centred around Calgary’s largest fresh water lake – Mahogany Lake, a private three-part lake that connects the community’s residential neighbourhoods.

“The lake itself is also uniquely designed as it includes two distinct residential islands and is crossed in two places by bridges – both of which will

provide exceptional viewpoints,” says Erin McGregor, marketing manager, development.

Homes designed and built by Calbridge Homes and Morrison Homes, the Island Collection features homes on the first of these residential islands. This collection will have 22 estate-sized home sites ranging from 56- to 64-ft. wide, and each site comes with private beachfront and lake access, personal dock access and a private neighbourhood entryway.

“There is simply no other location in Calgary that compares to the Island Collection,” McGregor says. “It is in a class unto itself and is perhaps the most anticipated set of lots we’ve seen in Mahogany.”

Hopewell celebrated the grand opening of a new Lakeside showhome parade in mid-September of Reserve Collection estate homes by Calbridge, Morrison and Homes by Avi. Homes in this exclusive collection offer triple-car garages, custom features, walkout basements, private docks and lake access.

Mahogany offers something for every buyer with the Lakeland Collection of laned homes, front-attached garage homes and the rear-attached garage homes by Jayman MasterBUILT, Sabal Homes by Hopewell, Stepper Custom Homes and Trico Homes; and the Boulevard Collection of attached homes, street towns, condos and townhomes by Jayman Modus, Homes by Avi, Sabal Homes by Hopewell and Truman Homes. Homes start from the $180,000s for condos to more than $1 million for estates.

HOPEWELL RESIDENTIAL | Mahogany

“The lake itself is also uniquely

designed as it includes two distinct

residential islands and is crossed in two

places by bridges – both of which will

provide exceptional viewpoints.”

Hopewell is excited that construction is underway on the Mahogany Beach Club and Main Beach Site. Slated for completion in 2015, the 22,000-sq.-ft. Beach Club will offer community events and educational and recreational programs. Outside the beachfront building, residents can spend their summer days lounging with a book, picnicking, swimming, kayaking and canoeing, while in the winter they can enjoy skating and hockey.

“Another exciting project taking place alongside the community is the Greenway project. Parks Foundation Calgary is building on our city’s nearly 1,000 kilometres of pathway, and when complete, the Greenway will be a 138-kilometre network of parks and pathways that will encircle the city,” McGregor says. “Mahogany is one of the very lucky communities connected to the Greenway further enriching the lives of community members by being a year-round destination for cyclists, cross-country skiers, nature lovers and kids of all ages to play outdoors.”

Mahogany is also home to a community park system, which features a ring of pathways and interpretive areas surrounding scenic naturalized wetlands, and it has five designated school sites.

Residents appreciate Mahogany’s great location. It has easy access to Stoney and Deerfoot Trails, is close to major amenities such as the South Calgary Health Campus and shops, services and more in Seton and is adjacent to a future LRT station.

Construction will also commence next year on Mahogany Urban Village, which “brings the best of neighbourhood essentials of living close to home,” McGregor says, such as restaurants, shops and services.

For more information on Mahogany – the 2013 CHBA - Calgary Region SAM Award winner for Community of the Year and 2014 CHBA Alberta Awards of Excellence winner for Community Development – visit the showhomes or mahoganyliving.com

Built for real life.CARDELHOMES.COM

Sales Centre Hours: Mon-Thur: 2 pm-8 pm

Sat, Sun + Holidays: Noon-5 pm

Closed Fridays

Tour 2 new model homes at 105 Chaparral Valley Mews SE 403.201.5754 Prices subject to change without notice. E&OE. Models may not be exact.

FROM THE

INCL LOT + GST

$470s n Walk-out lots available in Cardel’s exclusive phase n Top value in an established, peaceful community n Neighbourhood walking and bike paths to

Fish Creek Park and Sikome Lake n Spectacular river valley setting n Blue Devil Golf Course at your doorstep n Double front-attached garages

Build an affordable dream home with a walk-out basement

Walk this way. Exclusive walk-out lots in one of the south’s most active communities.

LAST CHANCE TO BUILD

ESSENCE B2

YORKTON B1

ChapValley_NHG_NOV2014_7.5x10.5.indd 1 2014-10-10 11:55 AM


//IN THE NEWS

Canada’s hottest real estate market? CALGARY HANGS ON TO TOP SPOT

Canada’s strong housing performance has been well documented – and the envy of many countries. But would you be able to guess the hottest real estate market in the country?

You might be surprised.According to the latest House Price

Survey from Royal LePage, Canada’s hottest real estate market is not Toronto or Vancouver, as some might expect.

It’s Calgary.Nationally, the average price of a

home in Canada rose between 4.4 per cent and 6.1 per cent year-over-year in the third quarter of 2014. During this period, the average price of a standard two-storey home rose 5.5 per cent to $441,714, while detached bungalows increased 6.1 per cent to $405,101. Condominiums on average showed slightly lower year-over-year gains, posting a 4.4 per cent increase to $257,377.

“In the seven years since the Canadian housing market began its recovery from the worldwide recession, home price growth has been robust, often greater than the long-term average of approximately five per cent,” says Phil Soper, president and chief executive of Royal LePage.

“We are now experiencing a natural slowing in the rate of year-over-year price appreciation, with real estate markets moderating in most parts of the country, a transition to what our agents refer to as a ‘Goldilocks market,’ one that is neither too hot, nor too cold. To be clear, we expect home prices to continue to grow in the months ahead, but at a slower rate than we have seen in recent years.”

SUMMARIES OF SELECT CANADIAN REAL ESTATE MARKETS:Calgary: The housing market continues to be among the strongest in the country. Demand was strong across all housing types. The average price for standard condominiums surged 11.8 per cent year-over-year to $294,156, and detached bungalows increased 10.8 per cent to $515,844. Standard two-storey home prices were consistent with this trend, increasing 9.2 per cent to $499,811.Edmonton: Also saw strong price appreciation across all housing types. Detached bungalow prices showed the strongest gain, increasing 6.0 per cent year-over-year to $357,240. Standard two-storey home prices rose 5.3 per cent to $379,463, while standard condominiums climbed a healthy 5.8 per cent to $232,340.Toronto: Low levels of inventory combined with an unseasonably active August market contributed to significant price increases across all major housing types. Standard condominium prices saw the greatest increase, rising 8.0 per cent year- over-year to $383,039. Detached bungalows rose 7.2 per cent to $618,088, while prices for standard two-storey homes increased 7.6 per cent to $733,317.Vancouver: Price increases remained strong in the third quarter. Detached bungalows saw the largest increase, climbing 6.1 per cent to $1.13 million. Standard two-storey homes also experienced strong growth, rising 5.6 per cent to $1.22 million. Standard condominium prices cooled slightly by 0.2 per cent to $502,869.Ottawa: The slower winter and spring seasons left the market with a surplus of inventory in the third quarter, holding prices relatively flat in the region. Detached bungalow and standard two-storey home prices each increased by 1.2 per cent year-over-year, to $403,091 and $406,264, respectively. Standard condominium prices declined slightly, dropping 0.3 per cent to $258,132.Montreal: The average price of detached bungalows increased 2.6 per cent year-over-year to $296,857. In the same quarter, standard two-storey homes and condominiums remained relatively flat, rising 0.2 per cent to $403,714 and 0.5 per cent to $241,000, respectively.

Calgary: The housing market continues to be among the strongest in the country. Demand was strong across all housing types.

Built for real life.CARDELHOMES.COM

Sales Centre Hours: Mon-Thur: 2 pm-8 pm

Sat, Sun + Holidays: Noon-5 pm

Closed Fridays

Tour 2 new model homes at 105 Chaparral Valley Mews SE 403.201.5754 Prices subject to change without notice. E&OE. Models may not be exact.

FROM THE

INCL LOT + GST

$470s n Walk-out lots available in Cardel’s exclusive phase n Top value in an established, peaceful community n Neighbourhood walking and bike paths to

Fish Creek Park and Sikome Lake n Spectacular river valley setting n Blue Devil Golf Course at your doorstep n Double front-attached garages

Build an affordable dream home with a walk-out basement

Walk this way. Exclusive walk-out lots in one of the south’s most active communities.

LAST CHANCE TO BUILD

ESSENCE B2

YORKTON B1

ChapValley_NHG_NOV2014_7.5x10.5.indd 1 2014-10-10 11:55 AM

15

//IN THE NEWS

Canada’s hottest real estate market? CALGARY HANGS ON TO TOP SPOT

Canada’s strong housing performance has been well documented – and the envy of many countries. But would you be able to guess the hottest real estate market in the country?

You might be surprised.According to the latest House Price

Survey from Royal LePage, Canada’s hottest real estate market is not Toronto or Vancouver, as some might expect.

It’s Calgary.Nationally, the average price of a

home in Canada rose between 4.4 per cent and 6.1 per cent year-over-year in the third quarter of 2014. During this period, the average price of a standard two-storey home rose 5.5 per cent to $441,714, while detached bungalows increased 6.1 per cent to $405,101. Condominiums on average showed slightly lower year-over-year gains, posting a 4.4 per cent increase to $257,377.

“In the seven years since the Canadian housing market began its recovery from the worldwide recession, home price growth has been robust, often greater than the long-term average of approximately five per cent,” says Phil Soper, president and chief executive of Royal LePage.

“We are now experiencing a natural slowing in the rate of year-over-year price appreciation, with real estate markets moderating in most parts of the country, a transition to what our agents refer to as a ‘Goldilocks market,’ one that is neither too hot, nor too cold. To be clear, we expect home prices to continue to grow in the months ahead, but at a slower rate than we have seen in recent years.”

SUMMARIES OF SELECT CANADIAN REAL ESTATE MARKETS:Calgary: The housing market continues to be among the strongest in the country. Demand was strong across all housing types. The average price for standard condominiums surged 11.8 per cent year-over-year to $294,156, and detached bungalows increased 10.8 per cent to $515,844. Standard two-storey home prices were consistent with this trend, increasing 9.2 per cent to $499,811.Edmonton: Also saw strong price appreciation across all housing types. Detached bungalow prices showed the strongest gain, increasing 6.0 per cent year-over-year to $357,240. Standard two-storey home prices rose 5.3 per cent to $379,463, while standard condominiums climbed a healthy 5.8 per cent to $232,340.Toronto: Low levels of inventory combined with an unseasonably active August market contributed to significant price increases across all major housing types. Standard condominium prices saw the greatest increase, rising 8.0 per cent year- over-year to $383,039. Detached bungalows rose 7.2 per cent to $618,088, while prices for standard two-storey homes increased 7.6 per cent to $733,317.Vancouver: Price increases remained strong in the third quarter. Detached bungalows saw the largest increase, climbing 6.1 per cent to $1.13 million. Standard two-storey homes also experienced strong growth, rising 5.6 per cent to $1.22 million. Standard condominium prices cooled slightly by 0.2 per cent to $502,869.Ottawa: The slower winter and spring seasons left the market with a surplus of inventory in the third quarter, holding prices relatively flat in the region. Detached bungalow and standard two-storey home prices each increased by 1.2 per cent year-over-year, to $403,091 and $406,264, respectively. Standard condominium prices declined slightly, dropping 0.3 per cent to $258,132.Montreal: The average price of detached bungalows increased 2.6 per cent year-over-year to $296,857. In the same quarter, standard two-storey homes and condominiums remained relatively flat, rising 0.2 per cent to $403,714 and 0.5 per cent to $241,000, respectively.

Calgary: The housing market continues to be among the strongest in the country. Demand was strong across all housing types.

//IN THE NEWS

GENESIS TO ACQUIRE $52.5 MILLION OF LAND for a new master-planned community in rapidly growing Southeast Calgary

Genesis Land Development Corp. has announced it has entered in to a purchase and sale agreement for the acquisition of approximately 350 acres of land located in southeast Calgary along the Bow River.

The property also overlooks the Bow River Valley, with views of the Rocky

Mountains and is just two kilometres south of the recently opened, $1.3-billion Calgary South Health Campus/Regional Hospital (see map).

The land will be developed into a residential community, with construction forecast to begin in 2021. Once completed, the community is expected to include nearly 2,100 homes, parkland and supporting community commercial development. The land is currently zoned Future Urban Development within

16

Calgary’s Southeast Planning Area.This $52.5-million acquisition, the

first mid-term land purchase in seven years, continues the Genesis strategy of focusing its portfolio on residential lands within the Calgary Metropolitan Area, and is expected to provide a long-term supply of single-family and multi-family homesites. The company will pay for the acquisition from its general cash resources, with $12.5 million due on closing (scheduled for Jan. 6, 2015), and the remainder paid over five years. President and CEO Bruce Rudichuk commented, “We are very excited about our future in the Calgary Metropolitan Area and developing this extraordinary land, which will enable Genesis to create a unique and desirable master-planned community. The site’s location and varied topography will assist us in creating diverse neigbourhoods, ranging from family-friendly and affordable communities to intimate benchland enclaves with river views.”

He continued, “It has all of the essential characteristics we are seeking – and will encompass a large scale community with multiple product categories in a rapidly growing area within the city of Calgary. The

Once completed, the community is expected to include nearly 2,100 homes, parkland and supporting community commercial development. The land is currently zoned Future Urban Development within Calgary’s Southeast Planning Area.

development time frame will support the planned growth of both our land development and homebuilding businesses and allow us to once again show the marketplace the kind of communities Genesis is capable of creating.”

Genesis Chair, Stephen J. Griggs, stated “This acquisition demonstrates the consistent execution of our strategic plan and balances the company’s portfolio between lands that generate strong cash flow in the short term, and lands which sustain cash flow over the longer term. We anticipate, as part of our balanced approach toward the uses of capital, that Genesis will pay for this investment from cash flow, allowing us to continue to have a conservative capital structure. It will support our increasing momentum and enhance our transition into a leading land development and home-building company in Calgary.”

ABOUT GENESISGenesis is an integrated, award-winning land developer and residential home builder, creating innovative and successful communities in the Calgary Metropolitan Area. Genesis is committed to supporting its communities through partnerships such as the Genesis Centre of Community Wellness and Genesis Place Recreational Centre. Genesis owns a large portfolio of entitled residential and mixed-use land, which is exceptionally well positioned to benefit from the continued robust activity in the Alberta economy.

//IN THE NEWS

GENESIS TO ACQUIRE $52.5 MILLION OF LAND for a new master-planned community in rapidly growing Southeast Calgary

Genesis Land Development Corp. has announced it has entered in to a purchase and sale agreement for the acquisition of approximately 350 acres of land located in southeast Calgary along the Bow River.

The property also overlooks the Bow River Valley, with views of the Rocky

Mountains and is just two kilometres south of the recently opened, $1.3-billion Calgary South Health Campus/Regional Hospital (see map).

The land will be developed into a residential community, with construction forecast to begin in 2021. Once completed, the community is expected to include nearly 2,100 homes, parkland and supporting community commercial development. The land is currently zoned Future Urban Development within


Calgary’s Southeast Planning Area.This $52.5-million acquisition, the

first mid-term land purchase in seven years, continues the Genesis strategy of focusing its portfolio on residential lands within the Calgary Metropolitan Area, and is expected to provide a long-term supply of single-family and multi-family homesites. The company will pay for the acquisition from its general cash resources, with $12.5 million due on closing (scheduled for Jan. 6, 2015), and the remainder paid over five years. President and CEO Bruce Rudichuk commented, “We are very excited about our future in the Calgary Metropolitan Area and developing this extraordinary land, which will enable Genesis to create a unique and desirable master-planned community. The site’s location and varied topography will assist us in creating diverse neigbourhoods, ranging from family-friendly and affordable communities to intimate benchland enclaves with river views.”

He continued, “It has all of the essential characteristics we are seeking – and will encompass a large scale community with multiple product categories in a rapidly growing area within the city of Calgary. The

Once completed, the community is expected to include nearly 2,100 homes, parkland and supporting community commercial development. The land is currently zoned Future Urban Development within Calgary’s Southeast Planning Area.

development time frame will support the planned growth of both our land development and homebuilding businesses and allow us to once again show the marketplace the kind of communities Genesis is capable of creating.”

Genesis Chair, Stephen J. Griggs, stated “This acquisition demonstrates the consistent execution of our strategic plan and balances the company’s portfolio between lands that generate strong cash flow in the short term, and lands which sustain cash flow over the longer term. We anticipate, as part of our balanced approach toward the uses of capital, that Genesis will pay for this investment from cash flow, allowing us to continue to have a conservative capital structure. It will support our increasing momentum and enhance our transition into a leading land development and home-building company in Calgary.”

ABOUT GENESISGenesis is an integrated, award-winning land developer and residential home builder, creating innovative and successful communities in the Calgary Metropolitan Area. Genesis is committed to supporting its communities through partnerships such as the Genesis Centre of Community Wellness and Genesis Place Recreational Centre. Genesis owns a large portfolio of entitled residential and mixed-use land, which is exceptionally well positioned to benefit from the continued robust activity in the Alberta economy.

Take these steps to detect CO in your home:

CO detector(s) installed and maintained according to manufacturer’s instructions.

Expiry date written on CO detector(s) with a marker.

Date of expiry: __________________________________

CO detector(s) battery replaced annually, if applicable.

CO detector(s) vacuumed monthly.

Visit atcogas.com to learn more.

CO Awareness Week is November 2 – 8

Take these steps to prevent CO in your home:

Fuel-burning appliances (i.e. furnace, hot water heater, fireplace, natural gas range, etc.) checked by a qualified technician regularly according to manufacturers’ specifications.

Last inspection (date): _______________________________

Furnace filter checked monthly and replaced (if necessary).

Date last replaced: __________________________________

Indoor and outdoor vents and chimneys cleared of debris, snow and ice (if necessary).

Area around fuel-burning appliances clutter free.

Flames of all natural gas appliances checked regularly (it should be blue).

Adequate air supply (nearby window opened) when using a wood-burning fireplace.

Vehicles never idled in garage, even with the overhead door open.

Carbon monoxide (CO) is odourless, colourless and lethal. You can prevent and detect it by taking simple steps at home.

Cut out and complete this checklist to stay safe from CO:

18

01 MYSTIC RIDGE DEVELOPER: La Vita Land BUILDERS: Calbridge Homes www.mysticcalbridge.com

02 CURRIE BARRACKS BUILDERS: Crystal Creek Homes, Empire Custom Homes, Avi Urban, Calbridge Homes, Core Properties, Jayman Modus, Slokker Canada West

05 SPRING VALLEY DEVELOPER: Legend Developments

06 CRESTMONT DEVELOPER: Qualico Communities BUILDERS: Augusta Fine Homes, NuVista Homes

10 ELMONT BAY BUILDERS: Westview Builders, Winwood Homes www.elmontbay.com

12 DRESSAGE IN SILVERADO DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

13 WESTLAND ESTATES BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

15 WEST GROVE ESTATES BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes, Augusta Fine Homes, West Grove Estates

›› SOUTHWESTCOMMUNITIES

BOW TRAIL

16 AVENUE

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BRO10262703_CGY_NHG_6pg_NOV.indd BRO10262703_CGY_NHG_6pg_

2GRACoL

26.25” x 10.5”26.25” x 10.5”

25.75” x 10”26.5” x 10.75”100%

Raelee.FedynaMarsha.Walters

Clarissa.WatsonNoneNone

Brookfield10262703

10-27-2014 3:36 PM10-27-2014 3:36 PM

Claire.Schulz

Production:Volumes:Product...O10262703_CGY_NHG_6pg_NOV.inddNHG

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--

--

--

--

76ph roll NHG

Minion Pro, Gotham, Adobe Caslon Pro, StagPS

Cyan, Magenta, Yellow, Black

S:25.75”S:10”

T:26.25”T:10.5”

B:26.5”B:10.75”

F:7.5”

FS:7”

F:6.375”

FS:5.875”

F:6.25”

FS:5.75”

F:6.125”

FS:5.625”

NW SECRANSTON NEW BRIGHTON RIVERSTONE SYMONS GATEAUBURN BAY

IT’S WHERE LIFE HAPPENSNEW HOME BUYING GUIDE

THE MOST EXCITING PART IS FINDINGYOUR DREAM HOME

Visit our showhomes and sales centres today

Monday-Thursday: 2-8pm

Friday: Closed

Weekends: 12-5pm

LiveBrookfi eld.ca

REGISTER TO RECEIVE UPDATES

ABOUT THIS EMERGING COMMUNITY AT

LiveSymonsGate.ca

There’s a new and exciting community on Calgary’s northwestern horizon. Symons Gate, with its expansive prairie views and the city’s only year-round farmers market, will feature the perfect balance of prairie charm and big city convenience. Sales centres are set to open Spring 2015.

On � e Rise

VISIT OUR 30 SHOWHOMES AND SALES CENTRES.

APARTMENT STYLE CONDOSfrom the low $200s

TOWNHOMESfrom the upper $200s

SEMI-DETACHEDfrom the upper $300s

LANDED HOMESfrom the low $400s

ATTACHED GARAGE HOMESfrom the mid $250s

ESTATE HOMESfrom the upper $600s - $1.5M

LiveAuburnBay.ca

LAKESIDELIVING

Auburn Bay o� ers the relaxing sense of belonging found in cottage country with all the conveniences of city living. This community features exclusive lakefront properties overlooking a 43-acre private lake complete with a residents’ club. Essential amenities including schools and shopping centres are close by, as well as easy access to Deerfoot and the Rocky Mountains.

NEW BRIGHTON N

AUBURN BAY A

C

CRIVERSTONE R

CRANSTON

S

22x

N

2

2

1

8

STONEY TR.

STONEY TR.

CROWCHILD TR.

16th AVE.

GLENMORE TR.

DEERFOOT TR.

MACLEOD TR.

MARQUIS OF LORNE TR.

SYMONS GATE

MCNIGHT BLVD.

MEMORIAL DR.

ANDERSON RD.

SAR

CE

E T

R.

COUNTRY HILLS BLVD.

SH

AG

AN

APP

I TR.

JOHN LAURIE BLVD.

AIRPORT TR.

DUNBOW RD.

52nd

ST.

AUBURN BAY

BLVD

SETON

BLVD

AUB

URN B

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32 S

TR

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CR

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AL

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ND

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KE

LA

ND

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SHOWHOME PARADE

RA

NC

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OA

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MILLIGANDRIVE

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MILLIGAN DRIVE

RANCHERS CRESCENT

BRO10262703_CGY_NHG_6pg_NOV.indd BRO10262703_CGY_NHG_6pg_

1GRACoL

26.25” x 10.5”26.25” x 10.5”

25.75” x 10”26.5” x 10.75”100%

Raelee.FedynaMarsha.Walters

Clarissa.WatsonNoneNone

Brookfield10262703

10-27-2014 3:36 PM10-27-2014 3:36 PM

Claire.Schulz

Production:Volumes:Product...O10262703_CGY_NHG_6pg_NOV.inddNHG

--

--

--

--

--

76ph roll NHG

Minion Pro, Gotham, Archer, Iowan Old Style

Cyan, Magenta, Yellow, Black

S:25.75”S:10”

T:26.25”T:10.5”

B:26.5”B:10.75”

F:6.125”

FS:5.625”

F:6.25”

FS:5.75”

F:6.375”

FS:5.875”

F:7.5”

FS:7”

SE SE SE CR

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AVENUE

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New Brighton is a community made for people on the go. Residents here enjoy a 20-acre central park, 12-acre pond perfect for scenic walks and a residents’ club with sporting courts and a water park. Amid the endless opportunities for outdoor fun, New Brighton also includes cafes, restaurants, shops and easy access to essential amenities on 130th Ave and the McKenzie Towne High Street.

STAY ON THE GO With snow-capped mountains visible on the horizon and Fish Creek in the backyard, it’s easy to call Cranston home. This community overlooks the Bow River Valley and includes essential amenities like the Cranston Market, two new schools and a private residents’ club.

IT’S ALL HEREWhat if you could build your dream home in one of North America’s largest urban parks? That’s what Riverstone of Cranston o� ers its residents, the chance to live amidst the refi ned, natural beauty of Fish Creek Park. This estate neighbourhood also features a private residents’ club, perfect for all-season entertainment and easy access to schools, restaurants and shopping centres.

EXPERIENCE OUR 10 SHOWHOMES AND SALES CENTRES.

ESTATE TOWNHOMESfrom the low $500s

LUXURY VILLASfrom the upper $700s

ESTATE HOMESfrom the mid $600s - $1.5M

CHECK OUT OUR 7 SHOWHOMES AND SALES CENTRES.

APARTMENT STYLE CONDOSfrom the low $200s

TOWNHOMESfrom the low $300s

ATTACHED GARAGE HOMESfrom the mid $400s

DISCOVER OUR 22 SHOWHOMES AND SALES CENTRES.

APARTMENT STYLE CONDOSfrom the mid $200s

TOWNHOMESfrom the upper $200s

SEMI-DETACHEDfrom the low $300s

LANDED HOMESfrom the low $400s

ATTACHED GARAGE HOMESfrom the upper $400s LiveCranston.ca LiveNewBrighton.ca ExperienceRiverstone.ca

PROFESSIONALLY MANAGED BY

Take these steps to detect CO in your home:

CO detector(s) installed and maintained according to manufacturer’s instructions.

Expiry date written on CO detector(s) with a marker.

Date of expiry: __________________________________

CO detector(s) battery replaced annually, if applicable.

CO detector(s) vacuumed monthly.

Visit atcogas.com to learn more.

CO Awareness Week is November 2 – 8

Take these steps to prevent CO in your home:

Fuel-burning appliances (i.e. furnace, hot water heater, fireplace, natural gas range, etc.) checked by a qualified technician regularly according to manufacturers’ specifications.

Last inspection (date): _______________________________

Furnace filter checked monthly and replaced (if necessary).

Date last replaced: __________________________________

Indoor and outdoor vents and chimneys cleared of debris, snow and ice (if necessary).

Area around fuel-burning appliances clutter free.

Flames of all natural gas appliances checked regularly (it should be blue).

Adequate air supply (nearby window opened) when using a wood-burning fireplace.

Vehicles never idled in garage, even with the overhead door open.

Carbon monoxide (CO) is odourless, colourless and lethal. You can prevent and detect it by taking simple steps at home.

Cut out and complete this checklist to stay safe from CO:


01 MYSTIC RIDGE DEVELOPER: La Vita Land BUILDERS: Calbridge Homes www.mysticcalbridge.com

02 CURRIE BARRACKS BUILDERS: Crystal Creek Homes, Empire Custom Homes, Avi Urban, Calbridge Homes, Core Properties, Jayman Modus, Slokker Canada West

05 SPRING VALLEY DEVELOPER: Legend Developments

06 CRESTMONT DEVELOPER: Qualico Communities BUILDERS: Augusta Fine Homes, NuVista Homes

10 ELMONT BAY BUILDERS: Westview Builders, Winwood Homes www.elmontbay.com

12 DRESSAGE IN SILVERADO DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

13 WESTLAND ESTATES BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

15 WEST GROVE ESTATES BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes, Augusta Fine Homes, West Grove Estates

›› SOUTHWESTCOMMUNITIES

BOW TRAIL

16 AVENUE

14 S

TR

EE

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17 AVENUE17 AVENUE

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85 S

TR

EE

T

69 S

TR

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37 ST

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16 AVENUE

GLENMORERESERVOIR

FISH CREEK PARK

JAM

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MA

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//INSIGHT

» by BRAD JACKMAN

Landscape 360. Professional Landscape Construction.

How to begin your

LANDSCAPE PLAN

With the trees bare and winter on the horizon, landscaping may not be a priority for

homeowners to contemplate. Here are a few ideas homeowners can explore over the winter. Hiring a landscape contractor should be exciting and satisfying. However, this can be a very discouraging time for some homeowners, unsure of where to begin, what you want it to look like and who to talk to. Here are some tips to guide you through a satisfying landscape construction experience.

Have a plan. You can never call a company too early to plan for the following season’s project. Many landscape companies are limited in the number of jobs they can do in a season. Having a plan and beginning the process early can allow for your project to be started in your desired time frame.

Have a budget. It is important to understand that quality landscaping requires substantial investments of time and money. Thus having a budget and planning around it will be crucial. It is also not unusual for work to be split up over consecutive summers, easing some of the financial burden while creating your backyard paradise. Depending on what is required for labour, equipment and materials, it may be more or less of an investment one season to the next. However, it is sometimes more cost effective to do the whole project at once.

403.452.0360 | landscape360.ca | like us on facebook

Hire a professional. Many homeowners underestimate the work associated with landscaping, or the knowledge required to produce a quality outdoor living space. Weekend warriors may be in for a surprise!

Booking a consultation with a reputable landscaper will allow you to see if your budget is in line with your vision.

Hire a professional. Many homeowners underestimate the work associated with landscaping, or the knowledge required to produce a quality outdoor living space. Weekend warriors may be in for a surprise! It is important to hire someone who has extensive experience in the industry, and is a full service landscape company. Find a landscape company that will complete the task from start to finish and handle any subcontracting required.

Know your options. When deciding which landscape company to hire, it’s beneficial to do your research. Ask to see their portfolio, view their website and look into some of the products yourself. Most importantly, ask lots of questions. Landscape construction can be done

very different. Hire a company that uses quality equipment, utilizes the best products available and installs everything professionally. Ask to speak with former clients who have had similar projects to the one you’re considering. Your options include patios, lighting, decks, walkways, garden beds, trees, plants and fences to irrigation, drainage solutions, boulders, retaining walls, water features, decorative concrete, outdoor cooking and fire pits. Clearly, there are many choices, and it pays to explore all of your options carefully.

A stylish, functional yard can create a vibrant feel to your home. Be the envy of the block and provide a sanctuary for your family, friends and pets. Landscaping improves your quality of life, increases the value of your home and adds a little personal flare to your home’s exterior. Landscape 360 is a full-service landscape construction company. Our philosophy is based upon professionalism, quality, trust and respect.

L I F E S T Y L E H O M E S | P R O M I N E N T H O M E S | S T E R L I N G H O M E S Starting from the $400s

Discover an established, family-friendly community in Okotoks where you can build a new home with an award-

winning builder and open your door to nature preserves, parks and playgrounds. A new phase has just been

released - act now to have your choice of home and lot and tour a showhome at the corner of Milligan Drive

and Drake Landing Gate. Visit DRAKEUNITED.COM for builder information, lot maps and directions.

Open your door to Drake Landing

NEW PHASE NOW

AVAILABLE

22

›› OKOTOKSCOMMUNITIES

01 OKOTOKS AIR RANCH & RANCHERS’ RISE DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

02 CIMARRON DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Coco Homes, Timbercreek Homes, Westview Homes, Kunz Homes

03 DRAKE LANDING DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Sterling Homes, Prominent Homes

04 WESTMOUNT DEVELOPER: Prominence Development Corp. BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes

08 MOUNTAINVIEW (NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Developments BUILDERS: Excel Homes, Sterling Homes www.mountainviewokotoks.com

2A

2A 2A7

2A

OKOTOKS

MILLIGAN DR.

SANDSTONE DR.

MOUNTAINVIEWGATE

WE

ST

LAN

D S

T.W

ES

TLA

ND

ST.

32 ST. E

.32 S

T. E.

BANNISTER GATECRYSTAL SHORES RD.

370 AVE. E.

549

549

WESTRIDGE DR.

SO

UT

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E D

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CIMARRO

N BLVD.

CIM

ARRON

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338 AVE. E.

NORT

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OKOTOKSAIR

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ON

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D.

1

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2

8

4


L I F E S T Y L E H O M E S | P R O M I N E N T H O M E S | S T E R L I N G H O M E S Starting from the $400s

Discover an established, family-friendly community in Okotoks where you can build a new home with an award-

winning builder and open your door to nature preserves, parks and playgrounds. A new phase has just been

released - act now to have your choice of home and lot and tour a showhome at the corner of Milligan Drive

and Drake Landing Gate. Visit DRAKEUNITED.COM for builder information, lot maps and directions.

Open your door to Drake Landing

NEW PHASE NOW

AVAILABLE


›› OKOTOKSCOMMUNITIES

01 OKOTOKS AIR RANCH & RANCHERS’ RISE DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

02 CIMARRON DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Coco Homes, Timbercreek Homes, Westview Homes, Kunz Homes

03 DRAKE LANDING DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Sterling Homes, Prominent Homes

04 WESTMOUNT DEVELOPER: Prominence Development Corp. BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes

08 MOUNTAINVIEW (NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Developments BUILDERS: Excel Homes, Sterling Homes www.mountainviewokotoks.com

2A

2A 2A7

2A

OKOTOKS

MILLIGAN DR.

SANDSTONE DR.

MOUNTAINVIEWGATE

WE

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ES

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ND

ST.

32 ST. E

.32 S

T. E.

BANNISTER GATECRYSTAL SHORES RD.

370 AVE. E.

549

549

WESTRIDGE DR.

SO

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HR

IDG

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CIMARRO

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CIM

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338 AVE. E.

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GE

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CRYSTALRIDGEGOLFCLUB

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Bathroom must-haves for 2014

//STYLE FILE

There are always new and exciting innovations

coming out of the design world. Fusing technology

with function is an ongoing trend, and in

light of that, I’ve compiled a list of my

recent favourites. Enjoy!

Hot and NewFOR THE LOO

The Kohler Touchless SystemKohler has reinvented how you flush. Homeowners now have two uniquely hygienic flushing systems to choose from:» The Cimarron Touchless Toilet: A sleek and modern take on the traditional toilet design with one exception – no flush lever. Each toilet tank is equipped with a no-touch-flush sensor that is activated by a wave of your hand. » The Kohler Touchless Flush Kit: An affordable alternative to the touchless toilet that allows you to retrofit your existing toilet with the no-touch-flush system.

Two words: clean and simple.

JAMIE BANFIELD Principal Designer,

Jamie Banfield Design and currently serves as an officer, as well is an allied member of the

National Kitchen + Bath Association. Jamie’s main

focus is total project design and management.

First earning his recognition as a creative

force in design in the kitchen and bath industry, Jamie has since taken his eye for colour and space

into the rest of the home.

Moxie RainheadSinging in the shower has never been so fun! Kohler gives us the Moxie Rainhead – a rainhead and wireless speaker all in one. This Bluetooth enabled rainhead allows you to pair your wireless listening devices with the speaker for your desired shower soundtrack. Each rainhead is outfitted with 90 angled nozzles and incorporates air-induction technology to provide superior coverage and spray.

Nightlight Toilet SeatWouldn’t it be nice to answer nature’s call and not blind yourself in the process? Well now you can do just that, with Kohler ‘s Nightlight Toilet Seat. The lighted hinge throws just the right amount of light needed to find the toilet, while sparing your tired eyes at that midnight hour. More good news – the seat is designed to prevent slamming. So ladies, when someone actually puts the seat down, it won’t wake up the whole house!

Tailored Vanity Collection Key word: tailored – with modern design, uniqueness is everything. Kohler allows homeowners to completely customize their vanity space with the new Tailored Vanity Collection. You have a choice of five distinctive vanity designs, each of which can be tailored to suit your style. You can choose hardware, finishes and

even custom drawer configurations. The flexibility of this collection allows you to add a personal touch to such an essential space.

Martyn Lawrence Bullard for Ann Sacks TilesAward-winning designer Martyn Lawrence Bullard has released three Moroccan inspired tile collections with Ann Sacks. With your choice between Eastern Promises, Mousharabia and Hermitage collections, you would be hard pressed not to find inspiration in Martyns’ creations. Each collection has its own middle eastern exotic feel with a modern twist and is sure to add a one-of-a-kind touch to your space. If you’re looking to incorporate a punch of colour and texture to your space, look no further.

KallistaKallista takes elegance to a new level with their kitchen and bath products. High quality design is what Kallista (Kohler subsidiary) is all about, and it shows. From faucets to vanities, each piece has a unique, handcrafted feel and look to it that adds richness to a space that would be hard to beat. Fusing old world style with modern finishes, Kallistas’ fitting and fixtures ooze charm and sophistication while providing the durability that every kitchen and bathroom needs.

Nu Heat SignatureWifi enabled floor-heating system? There’s an app for that! With almost everything going wireless these days, it only makes sense that our thermostats would too, right? Nuheat has developed a programmable thermostat that can be controlled via iOS or Android app. The app gives you the flexibility of programming your thermostat remotely for up to seven days at a time, as well as managing multiple zones. If your energy usage is a concern for you, the app keeps track of hourly, weekly and monthly usage. If forgetting to turn the heat off before leaving the house is no longer a problem!

›› AIRDRIECOMMUNITIES01 BAYSIDE ESTATES

DEVELOPER: Genesis Land Development Corp. BUILDER: Genesis Builders Group, McKee Homes, ReidBuilt Homes www.genesisland.com

02 WINDSONG DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 REUNION DEVELOPER: Hopewell Residential BUILDERS: Excel Homes, Sabal Homes, McKee Homes

04 KING’S HEIGHTS DEVELOPER: Melcor BUILDER: Loreck Homes, McKee Homes, ReidBuilt Homes, Shane Homes, Homes by Avi, Innovations by Jayman www.kingheights.ca

05 RAVENSWOOD DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

06 COOPER’S CROSSING DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Vesta Properties, Canterra Custom Homes, Crystal Creek Homes and Harder Homes, Lifestyle Homes

07 WILLIAMSTOWN DEVELOPER: Vesta Properties BUILDERS: Vesta Properties

08 HILLCREST Developer: Apex Developments Builders: Excel Homes, Shane Homes,Trico Homes hillcrestairdrie.com

09 SOUTHWINDS Developer: Mattamy Homes Builders: Mattamy Homes

10 CANALS LANDING Developer: Genesis Land Development Corp. Builders: ReidBuilt Homes, Mckee Homes, Crystal Creek Homes, Genesis Builders Group, Westview Homes

VETERANS BLVD

1ST AVE

YANKEE VALLEY BLVD

NOSE CREEK

EASTLAKE

VETERANS BLVD

YANKEE VALLEY BLVD

2

1

3

10

4

5


6

7

89


//SHOWHOME REVIEW

» by HEATHER RYAN

SHANE HOMES offers outstanding value in

Airdrie’s King’s Heights

With its combination of terrific features, great design and a stylish decor, Shane Homes’

Orion II showhome has become a hit with buyers in Airdrie’s King’s Heights.

The Orion II, a 2,010-sq.-ft. two-storey with front double attached garage, has become one of Shane Homes more popular plans, says Satwinder Notay, co-area manager with Belal Fouani

“People love the functional, comfortable design and the decor is very warm and inviting,” Notay says. “It has a bright open feel as soon as you walk thought the front door because it’s so spacious and the open stairs give it a really grand feel.

“We get lots of positive comments about the kitchen, which is perfect for those who love to cook and entertain, and people love the main floor flex room because it’s very functional – you can use it as an office, a playroom for the kids, a formal dining room and we even have one buyer using it for their piano.”

The Orion II opens to a beautiful entry featuring soft grey and white colours that are a perfect match to the greyish tile underfoot and there is plenty of room to greet guests as well as space for a hall table or convenient bench.

The expansive granite-topped island serves up great space for food preparation and the breakfast bar seating allows friends and family to gather around and socialize with the host.

SHANE HOMES | Orion II

A short hall off the entry leads to a half-bath and a good size mudroom off the garage entry, while down from the entry, pocket doors open to an inviting reading area in the flex space.

At the rear of the home, the large great room is warmed by plush carpet and a gorgeous wall-centred gas fireplace surrounded in a grey stone and framed in white moulding for an eye-catching look.

The kitchen pops with its dark granite-topped countertops, adding a nice contrast to the white cabinets and cool grey tiled backsplash. The expansive granite-topped island serves up great space for food preparation, and the breakfast bar seating allows friends and family to gather around and socialize with the host. A corner pantry provides plenty of storage space.

Adjacent to the kitchen is a large bumped out dining nook with windows on two sides and a glass door to the deck that allows in plenty of natural light.

Upstairs to the left, you’ll adore the owners’ suite that offers space for king-sized furniture and a luxurious ensuite featuring dual sinks in a granite-topped vanity, corner soaker tub, granite-topped make-up area, separate shower and a large walk-in closet.

Down the hall are two generous sized secondary bedrooms, a full bathroom, a laundry room and a huge bonus room ideal for relaxing and enjoying movie night with the family.

“The exterior also really draws people because it presents an estate style look giving it tremendous curb appeal,” Notay says. “King’s Heights itself has an estate feel and is a very family-oriented community that’s close to all the amenities, such as parks and pathways and it’s within walking distance to the Kingsview Market, which has a grocery store, coffee shops, restaurants and services.

“We have a great selection of home styles and some really nice lots in King’s Heights, with some backing onto a pond and some close to the regional park,” she says. “And what’s really attractive is it offers tremendous value; you’re definitely getting more for your money here and you’re just 15 minutes to Calgary.”

For more information on Shane’s models and lots in King’s Heights, visit the Orion II or Shane Home’s other showhome, the Andorra II, at 330 and 334 King’s Heights Dr. S.E., Airdrie, open Monday to Thursday, 2 to 8 p.m., and weekends, noon to 5 p.m., call 403.536.2303 or visit shanehomes.com


I recently had the pleasure of designing my own relaxing Miami retreat! You too can reap the rewards of this South Beach styling with my tips to get that perfect tone-on-tone interior, including ideas you can steal for a total overhaul or a quick refreshing update.

territoryNeutral

1

//DESIGNER ADVICE

» by YANIC SIMARD » photos by ROBIN HILL

TIP For a more dramatic

but still neutral look,

harness the power of black

and white with small

accents such as the Glass

Duo Tealight/Taper

Candle Holder. $13. Visit

YSSelected.com

TIP Faux fur and

shearling is a huge

trend — incorporating

the Aspen Deluxe Faux

Fur Throw: gives a chic

lodge look to any space.

$132. Visit YSSelected.com

1/PICTURE PERFECT PALETTESometimes the best colour scheme is no colour at all! To capture the South Beach spirit and keep this space feeling open and fresh, I used a white-on-white palette based around Benjamin Moore’s #OC-65 Chantilly Lace, and then added pops of other neutrals for variety.

3/TASTEFUL TEXTUREA minimal palette puts the focus on texture, so it’s key to have contrast between soft and hard, smooth and rough, and shiny and matte. The sleek glossy floors practically demanded a soft cowhide, but other furnishings use leather, ceramic and fabric upholstery (with mix and match pillows) for tons of tactile sensations.

TIP Sculptural accents such as a Carved Divot

vase can instantly add a rich punch of texture to

a counter or shelf.

2/LIVELY LODGINGSSpeaking of cool tones, it’s important to add some warmth into a white-on-white space if you don’t want it to feel too chilly. This is why this space primarily consists of warm woods and beige accents, over cooler grey tones, and comforting accents such as the sheepskin rug in the bedroom (and exposed storage for extra bedding).

2

3

THIS CARVED DIVOT VASE

IS PART OF MY YANIC SIMARD

SELECTED COLLECTION BY TORRE & TAGUS

*Price of home, lot and GST subject to change.

DOUBLE GARAGE HOMES STARTING AT

AUBURN BAY CHAPARRAL VALLEY KING’S HEIGHTS LEGACY RIVERSONG SUNSET RIDGE

SALES CENTRE

346 & 350 KING’S HEIGHTS DR. SE AIRDRIE

SHOW HOME HOURS MON-THURS 2-8PM SAT-SUN 12-5PM FRI CLOSED

GET MORE AT JAYMAN.COM/KINGSHEIGHTS

VISIT US TODAY

$429,000*

GETTING MORE FEELS GOOD.Innovations homes are built to give you more space without having to spend more money. When your home is that much bigger than you expected, the sky looks bluer, the sun seems brighter, and your TV seems, well…you might need a new TV.

JAY-3503_7.5x10.5_KINGSHEIGHTS_OCT23.indd 1 10/23/2014 2:22:56 PM


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 Citytv’s CityLine. Visit tidg.ca

4

5

TIP Don’t be afraid of mixed metals,

especially in a neutral space. A piece such

as the Talis Hammered Gold Platter

plays well next to cool silver tones. $70.

Visit YSSelected.com

TIP These Cut Crystal

Decorative Knobs are an

easy switch-out for an airy

accent in any home. $22 for

two. Visit YSSelected.com

4/TRIED AND TRUETaking the texture even further is the combination of wood and metal — blended with white, they form a timeless trio. Balancing all three in roughly equal proportions helps the galley kitchen look coordinated despite combining so many materials — and each is picked up again throughout the space for a harmonious vibe.

5/CRYSTAL CLEARFinally, to keep the space feeling open, I balanced some of the heavier items with light touches, such as the clear acrylic nesting tables and transparent ghost chairs. Beachy seaglass vases finished off the look for a perfect retreat in paradise!

Don’t be afraid of mixed metals, especially in a neutral space.

*Price of home, lot and GST subject to change.

DOUBLE GARAGE HOMES STARTING AT

AUBURN BAY CHAPARRAL VALLEY KING’S HEIGHTS LEGACY RIVERSONG SUNSET RIDGE

SALES CENTRE

346 & 350 KING’S HEIGHTS DR. SE AIRDRIE

SHOW HOME HOURS MON-THURS 2-8PM SAT-SUN 12-5PM FRI CLOSED

GET MORE AT JAYMAN.COM/KINGSHEIGHTS

VISIT US TODAY

$429,000*

GETTING MORE FEELS GOOD.Innovations homes are built to give you more space without having to spend more money. When your home is that much bigger than you expected, the sky looks bluer, the sun seems brighter, and your TV seems, well…you might need a new TV.

JAY-3503_7.5x10.5_KINGSHEIGHTS_OCT23.indd 1 10/23/2014 2:22:56 PM

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 Citytv’s CityLine. Visit tidg.ca

4

5

TIP Don’t be afraid of mixed metals,

especially in a neutral space. A piece such

as the Talis Hammered Gold Platter

plays well next to cool silver tones. $70.

Visit YSSelected.com

TIP These Cut Crystal

Decorative Knobs are an

easy switch-out for an airy

accent in any home. $22 for

two. Visit YSSelected.com

4/TRIED AND TRUETaking the texture even further is the combination of wood and metal — blended with white, they form a timeless trio. Balancing all three in roughly equal proportions helps the galley kitchen look coordinated despite combining so many materials — and each is picked up again throughout the space for a harmonious vibe.

5/CRYSTAL CLEARFinally, to keep the space feeling open, I balanced some of the heavier items with light touches, such as the clear acrylic nesting tables and transparent ghost chairs. Beachy seaglass vases finished off the look for a perfect retreat in paradise!

Don’t be afraid of mixed metals, especially in a neutral space.


CHESTERMERERAINBOW FALLS DEVELOPER: Truman Developments BUILDER: Jager Homes, Lionsworthe Homes, Douglas Homes, ReidBuilt Homes

WESTMERE DEVELOPER: Melcor BUILDERS: Lifestyle Homes, ReidBuilt Homes

SHORES ON WESTMERE DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

KINNIBURGH DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Fine Homes, Broadview Homes, ReidBuilt Homes

›› CALGARYREGIONEAST

CALGARY

1

22

1A

22X

2

22X

797

1

543 2A

2TURNER VALLEY

PRIDDIS

STRATHMORE

BLACK DIAMOND

HERITAGE POINTE

OKOTOKS

HIGH RIVER

LANGDON

CHESTERMERE

COCHRANE

34


04 BUFFALO HILLS (coming soon) BUILDERS: Prominent Homes Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

LAKEPOINTE DEVELOPER: Mattamy Homes BUILDER: Mattamy Homes Sales centre 400 Westpark Dr.

LANGDONBOULDER CREEK ESTATES DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Broadview Homes

HANSON PARK DEVELOPER: Hanson Park Developments BUILDERS: Canaco Homes Ltd, Ovation Homes Ltd, Douglas Homes

STRATHMORE THE RANCH IN STRATHMORE DEVELOPER: United BUILDERS: Jager Homes and Westview Builders

WILDFLOWER RANCH IN STRATHMORE DEVELOPER: Cancorp Property Group Inc. BUILDERS: Carpenter Homes, Paradyme Homes, Aquilla Homes and Canterra Custom Homes

EDGEFIELD IN STRATHMORE DEVELOPER: Pollyco BUILDERS: ReidBuilt Homes, Ovation Homes, Westview Homes, Aquilla Homes www.edgefieldstrathmore.com

LYALTA03 THE LAKES OF MUIRFIELD

BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes

10 SAGE MEADOWS DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group, Passion Homes, ReidBuilt Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATES DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

12 BEARSPAW WILLOW CREEK BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

13 WATERMARK AT BEARSPAW #1 Community in Canada* DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

14 EVANSRIDGE DEVELOPER: Dream Development BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes

15 ROCK LAKE ESTATES DEVELOPER: Decker Management BUILDERS: Crystal Creek Homes, Lupi Luxury Homes

17 SHERWOOD DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group www.lifeinsherwood.com

18 MOUNT PLEASANT BUILDER: Landmark Homes www.landmarkgroup.ca

01 PANORAMA HILLS DEVELOPER: Genstar BUILDERS: Homes by Avi, Cardel Homes, Landmark, Excel Homes, Arcuri Homes

02 ROYAL OAK DEVELOPER: Birchwood Properties BUILDERS: Birchwood Properties

03 EVANSTON DEVELOPER: Qualico Communities BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

04 SAGE HILL DEVELOPER: United Communities BUILDERS: Pacesetter Homes

05 NOLAN HILL DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Sterling Homes, Trico Homes, Jager Homes, Pacesetter Homes www.nolanhillunited.com

06 BEACON HEIGHTS DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex

08 KINCORA DEVELOPER: Melcor BUILDER: Excel Homes

09 EVANSVIEW DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes

›› NORTHWESTCOMMUNITIES

NOTE: Map is just a graphic representation of areas of developments.See ad of a particular project for more details.

BOW TRAIL

PAN

OR

AM

A R

OA

D

COUNTRY HILLS BLVD.

CROWCHILD TRAIL

16 AVENUE

16 AVENUE

64 AV

CEN

TRE

STR

EET

14 S

TREE

T

JOHN LAURIE BLVD.

17 AVENUE

ROC

KY

RID

GE

ROA

D

12 C

OU

LEE

MIL

E RO

AD

17 AVENUE

85 S

TREE

T

69 S

TREE

T

37 S

TREE

T

SAR

CEE

TR

AIL

OLD BANFF COACH ROAD

S T

ONE

Y TR

AIL

NO

SE H

ILL

DR

IVE

SHAG

ANN

API

TRA

IL

ROC

KY RIDGE

BLVD

COUNTRY HILLS BLVD.

AIL

SARCEE TR

AIL

BEDDINGTON

HARV

EST

HIL

LS

SYMO

NS VALLEY ROAD

SHAGANAPPI TRAIL

128 AVE.

144 AVE. NW

SARC

EE T

RAIL

O

NOSE HILL PARK

STONEY TRAIL

STO

NEY

TRAI

L

BEAR

SPAW

RO

AD

WO

ODL

AND

ROAD

HWY 1A

northwest

Showhomes: 1228 Sherwood Blvd.

Tuscany Hillside Estates

Developer: Carma

7

Builders: Landmark Homes | Albi Homes

CityLife

Developer: Birchwood Properties

Milano9 11

Builders: Birchwood PropertiesBuilders: Trico Homes

Sherwood

Developer: Genesis Development Corp.

5

Builders: Majestic Homes

Showhomes: Sherwood Crescent NW

Showhomes: Tuscany Estates Rise NW Showhomes: 2003 20th Ave. Showhomes: 99 Panatella Hill NW

Beacon Heights

Developer: Intergulf Cidex

6

Builders: Trico Homes/Intergulf Cidex

Kincora

Developer: Genesis Land Development Corp. | Apex Developments

Hanson Ranch

Developer: Cedarglen Homes | Cardel Homes

8 10

Builders: Evolution Homes | Majestic Homes | Excel Homes | Centrex Homes

Builders: Genstar

Showhomes: 115 Kinkora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW

1

4

2

6

5

3

8


910

11

12

13

18

14

1517

*2012 and 2013 National SAM award winner for Best Community Development


10 SAGE MEADOWS DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group, Passion Homes, ReidBuilt Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATES DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

12 BEARSPAW WILLOW CREEK BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

13 WATERMARK AT BEARSPAW #1 Community in Canada* DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

14 EVANSRIDGE DEVELOPER: Dream Development BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes

15 ROCK LAKE ESTATES DEVELOPER: Decker Management BUILDERS: Crystal Creek Homes, Lupi Luxury Homes

17 SHERWOOD DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group www.lifeinsherwood.com

18 MOUNT PLEASANT BUILDER: Landmark Homes www.landmarkgroup.ca

01 PANORAMA HILLS DEVELOPER: Genstar BUILDERS: Homes by Avi, Cardel Homes, Landmark, Excel Homes, Arcuri Homes

02 ROYAL OAK DEVELOPER: Birchwood Properties BUILDERS: Birchwood Properties

03 EVANSTON DEVELOPER: Qualico Communities BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

04 SAGE HILL DEVELOPER: United Communities BUILDERS: Pacesetter Homes

05 NOLAN HILL DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Sterling Homes, Trico Homes, Jager Homes, Pacesetter Homes www.nolanhillunited.com

06 BEACON HEIGHTS DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex

08 KINCORA DEVELOPER: Melcor BUILDER: Excel Homes

09 EVANSVIEW DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes

›› NORTHWESTCOMMUNITIES

NOTE: Map is just a graphic representation of areas of developments.See ad of a particular project for more details.

BOW TRAIL

PAN

OR

AM

A R

OA

D

COUNTRY HILLS BLVD.

CROWCHILD TRAIL

16 AVENUE

16 AVENUE

64 AV

CEN

TRE

STR

EET

14 S

TREE

T

JOHN LAURIE BLVD.

17 AVENUE

ROC

KY

RID

GE

ROA

D

12 C

OU

LEE

MIL

E RO

AD

17 AVENUE

85 S

TREE

T

69 S

TREE

T

37 S

TREE

T

SAR

CEE

TR

AIL

OLD BANFF COACH ROAD

S T

ONE

Y TR

AIL

NO

SE H

ILL

DR

IVE

SHAG

ANN

API

TRA

IL

ROC

KY RIDGE

BLVD

COUNTRY HILLS BLVD.

AIL

SARCEE TR

AIL

BEDDINGTON

HARV

EST

HIL

LSSYM

ONS VALLEY ROAD

SHAGANAPPI TRAIL

128 AVE.

144 AVE. NW

SARC

EE T

RAIL

O

NOSE HILL PARK

STONEY TRAILST

ONE

Y TR

AIL

BEAR

SPAW

RO

AD

WO

ODL

AND

ROAD

HWY 1A

northwest

Showhomes: 1228 Sherwood Blvd.

Tuscany Hillside Estates

Developer: Carma

7

Builders: Landmark Homes | Albi Homes

CityLife

Developer: Birchwood Properties

Milano9 11

Builders: Birchwood PropertiesBuilders: Trico Homes

Sherwood

Developer: Genesis Development Corp.

5

Builders: Majestic Homes

Showhomes: Sherwood Crescent NW

Showhomes: Tuscany Estates Rise NW Showhomes: 2003 20th Ave. Showhomes: 99 Panatella Hill NW

Beacon Heights

Developer: Intergulf Cidex

6

Builders: Trico Homes/Intergulf Cidex

Kincora

Developer: Genesis Land Development Corp. | Apex Developments

Hanson Ranch

Developer: Cedarglen Homes | Cardel Homes

8 10

Builders: Evolution Homes | Majestic Homes | Excel Homes | Centrex Homes

Builders: Genstar

Showhomes: 115 Kinkora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW

1

4

2

6

5

3

8


910

11

12

13

18

14

1517

*2012 and 2013 National SAM award winner for Best Community Development

38

Visit the new real estate section on canpages.caand start looking for that special place.

Search yourfavorite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

We think fi nding a home is a lot more than simply fi nding the right property.That’s why we put you right in the middle of the search process.

IN THE MARKET FOR A

NEW HOUSE OR A CONDO?

Powered by

canpages_filler_VF.indd 1 13-02-26 4:50 PM

talk

OUR SHOW HOME IS IN YOUR POCKET.JAGERNOLANHILL.COM

QUICK POSSESSIONS AVAILABLE

(403) 830 - 8601

ONLY 15 HOMES REMAINFIND YOUR NEW HOME

Nolan Hill Show Home Shopping.Around the clock. 24/7. All night long.


Visit the new real estate section on canpages.caand start looking for that special place.

Search yourfavorite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

We think fi nding a home is a lot more than simply fi nding the right property.That’s why we put you right in the middle of the search process.

IN THE MARKET FOR A

NEW HOUSE OR A CONDO?

Powered by

canpages_filler_VF.indd 1 13-02-26 4:50 PM

talk

OUR SHOW HOME IS IN YOUR POCKET.JAGERNOLANHILL.COM

QUICK POSSESSIONS AVAILABLE

(403) 830 - 8601

ONLY 15 HOMES REMAINFIND YOUR NEW HOME

Nolan Hill Show Home Shopping.Around the clock. 24/7. All night long.


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ELECTRICITY | NATURAL GAS

Sign up today and get it all. Call 310-2010 or visit enmax.com/easymax

You can choose any retailer listed at www.ucahelps.alberta.ca or at 310-4822. Electricity delivery to your home orbusiness isn’t affected by your choice of retailer.* Some conditions, admin, other fees and taxes beyond the electricity rate also apply.† You can switch between fixed and floating rates once per month either online or by contacting ENMAX Energy at 310-2010. If you change plans, your new rate will

become effective immediately. You can only change to a rate which is available at the time you elect to switch.® and TMENMAX Corporation

/kWh779¢.

* Electricity rate does not include an administration fee of an average of $7.10 per site, per month, regulated delivery charges depending on usage and service area, or taxes.

*

01 HERITAGE HILLS DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes,

02 JUMPING POUND RIDGE www.jumpingpoundridge.com BUILDERS: WestView Builders, Kingsmith

Homes

03 SUNSET RIDGE DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Landmark

Homes, Excel Homes, Homes by Avi

04 RIVERSONG DEVELOPER: Tamani Communities BUILDERS: Innovations by Jayman, Sabal Homes,

Jayman MasterBUILT, Trico Homes

05 MONTERRA ON COCHRANE LAKE DEVELOPER: Medallion Development Corp. BUILDERS: Prominent, Modena, Cornerstone,

Brooklyn, Astoria Custom Homes

06 WESTPOINTE ESTATES DEVELOPER: MGM Developments. BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith,

Landmark, ReidBuilt Homes www.firesidecochrane.com

08 HEARTLAND DEVELOPER: Apex Developments BUILDERS: Excel Homes www.heartlandcochrane.com

›› COCHRANECOMMUNITIES

COCHRANE

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NG

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8

//DESIGNER ADVICE

» by SARA DUCK » photo by KAROLINA TUREK PHOTOGRAPHY

At a recent event promoting LG’s new door-in-door refrigerator, designer, blogger and TV star Jillian Harris shares some of her inspiring entertaining tips – causing a serious fangirl moment along the way.

JillianHarris

Canada’s it girl

42

Tell us about your partnership with LG

J: LG approached me about six months ago to be the ambassador for its new Door-in-Door refrigerator. Given my love of design, food and entertaining, it seemed like the perfect fit. The refrigerator is amazing for entertaining – it can act as a beverage centre, where guests can help themselves!

When it comes to kitchen essentials, what is

your favourite item?

J: For a bit of luxury, I would say a wine fridge. I pretty much bought my house because it came with one. I also think a great big kitchen island is so important for everyday cooking, as well as entertaining.

Describe your dream kitchen

J: All white with some gritty elements, such as exposed beam, an industrial chandelier, large windows and open shelving. Oh, and a few French baguettes in a basket on the counter!

If you could cook with anyone, who would it be?

J: My grandmother, she is my muse. We cook together all the time, and she is so inspiring.

You love to entertain and throw beautiful, inspiring parties.

What are your top entertaining tips?

1. Making food ahead of time – it is a huge sanity saver. 2. Use rental companies for tables, chairs, glassware, utensils

and linens – it is a lot less expensive than people realize.3. Being present in the moment. I can spend so much time

preparing and hosting the party, that sometimes I forget to enjoy it. Do your hosting, and then be resolved to enjoy yourself, too!

Where do you look for inspiration when planning a party?

J: My cousin Tori’s blog, fraichenutrition.com – she’s a dietitian and an incredible cook, she inspires me with her euro-rustic approach to food, which I love. And, in terms of decor, I look to Monika Hibbs. She has beautiful style.

What do you love most about entertaining?

J: I love to treat people. I love having guests come over and serving them the best food I can make, putting on the best party I can. I want people to leave having had a really great time. That makes me really happy.

How can you use existing decor to make a party hosted

at home comfortable and stylish?

J: Using your kitchen island as a serving station or buffet is a great idea. Bring your indoor furniture outdoors, and create an interesting set-up to stage your food (weather pending, of course!).

What are the top entertaining trends this season?

J: For decor, an all-white palette is still big this year, but mixed with rustic elements and metals, such as serving food on an antique cutting board. And for food, the mini trend (think one-bite apps) is still going strong!

You are known for your fabulous sense of style.

How do you like to dress when you entertain?

J: When I throw parties, I usually pick a theme and get everyone to dress accordingly – which makes for great, fun photos.

Chilled Caprese Tomato BitesThis ideal finger food is a no-cook, little-prep, handmade crowd pleaser created by Jillian Harris and inspired by the LG Door-in-Door Refrigerator. The tomato gives a farm-fresh feel, while the creamed mozzarella adds a rich taste.

Ingredients

1 pint cherry tomatoes, halved3 tbsp. heavy whipping cream1/2 pound fresh mozzarella cheese, sliced 6 fresh basil leaves1 garlic clove, minced

Directions

Scoop out and discard pulp of cherry tomatoes.Invert tomatoes onto paper towels to drain and insert skewer.In a food processor, combine the cream, mozzarella cheese, basil and garlic; cover and process until blended. Cut a small hole in the corner of a pastry or heavy-duty resealable plastic bag.Fill with cheese mixture.

29.6 Cu. Ft. Super Capacity 3-Door Refrigerator with Door-in-Door. Visit lg.com

//DESIGNER ADVICE

» by SARA DUCK » photo by KAROLINA TUREK PHOTOGRAPHY

At a recent event promoting LG’s new door-in-door refrigerator, designer, blogger and TV star Jillian Harris shares some of her inspiring entertaining tips – causing a serious fangirl moment along the way.

JillianHarris

Canada’s it girl


Tell us about your partnership with LG

J: LG approached me about six months ago to be the ambassador for its new Door-in-Door refrigerator. Given my love of design, food and entertaining, it seemed like the perfect fit. The refrigerator is amazing for entertaining – it can act as a beverage centre, where guests can help themselves!

When it comes to kitchen essentials, what is

your favourite item?

J: For a bit of luxury, I would say a wine fridge. I pretty much bought my house because it came with one. I also think a great big kitchen island is so important for everyday cooking, as well as entertaining.

Describe your dream kitchen

J: All white with some gritty elements, such as exposed beam, an industrial chandelier, large windows and open shelving. Oh, and a few French baguettes in a basket on the counter!

If you could cook with anyone, who would it be?

J: My grandmother, she is my muse. We cook together all the time, and she is so inspiring.

You love to entertain and throw beautiful, inspiring parties.

What are your top entertaining tips?

1. Making food ahead of time – it is a huge sanity saver. 2. Use rental companies for tables, chairs, glassware, utensils

and linens – it is a lot less expensive than people realize.3. Being present in the moment. I can spend so much time

preparing and hosting the party, that sometimes I forget to enjoy it. Do your hosting, and then be resolved to enjoy yourself, too!

Where do you look for inspiration when planning a party?

J: My cousin Tori’s blog, fraichenutrition.com – she’s a dietitian and an incredible cook, she inspires me with her euro-rustic approach to food, which I love. And, in terms of decor, I look to Monika Hibbs. She has beautiful style.

What do you love most about entertaining?

J: I love to treat people. I love having guests come over and serving them the best food I can make, putting on the best party I can. I want people to leave having had a really great time. That makes me really happy.

How can you use existing decor to make a party hosted

at home comfortable and stylish?

J: Using your kitchen island as a serving station or buffet is a great idea. Bring your indoor furniture outdoors, and create an interesting set-up to stage your food (weather pending, of course!).

What are the top entertaining trends this season?

J: For decor, an all-white palette is still big this year, but mixed with rustic elements and metals, such as serving food on an antique cutting board. And for food, the mini trend (think one-bite apps) is still going strong!

You are known for your fabulous sense of style.

How do you like to dress when you entertain?

J: When I throw parties, I usually pick a theme and get everyone to dress accordingly – which makes for great, fun photos.

Chilled Caprese Tomato BitesThis ideal finger food is a no-cook, little-prep, handmade crowd pleaser created by Jillian Harris and inspired by the LG Door-in-Door Refrigerator. The tomato gives a farm-fresh feel, while the creamed mozzarella adds a rich taste.

Ingredients

1 pint cherry tomatoes, halved3 tbsp. heavy whipping cream1/2 pound fresh mozzarella cheese, sliced 6 fresh basil leaves1 garlic clove, minced

Directions

Scoop out and discard pulp of cherry tomatoes.Invert tomatoes onto paper towels to drain and insert skewer.In a food processor, combine the cream, mozzarella cheese, basil and garlic; cover and process until blended. Cut a small hole in the corner of a pastry or heavy-duty resealable plastic bag.Fill with cheese mixture.

29.6 Cu. Ft. Super Capacity 3-Door Refrigerator with Door-in-Door. Visit lg.com


//DECODING THE CODE

MICHAEL NYIKES Michael is a nationally

recognized speaker, columnist, and leading

industry expert on building codes, residential

construction, building envelope science, and environmental design. He can be reached at

[email protected]

» by MICHAEL NYIKES

Protecting exterior plumbing pipes

Q: Considering how cold it is in Alberta during the winter, are plumbing pipes allowed to be installed in exterior walls?

A: Great question, and timely, too, because Albertans will see the temperatures regularly dipping below zero pretty soon.

In accordance with the 2010 National Plumbing Code of Canada (2010 NPC), piping in exterior walls shall be protected from frost. Unfortunately, the methods of protection are not specifically described in the 2010 NPC, and as we know, the climatic conditions vary greatly in Alberta during the winter.

To provide guidance on this topic, Alberta Municipal Affairs released Standata P-07-06-NPC 10 (Rev 2) in November 2012, indicating that methods of protection as described in the previous Alberta Plumbing and Private Sewage Codes were suitable on the basis of past performance and shall be established on the basis of local experience.

It was determined that no part of a plumbing system, except a dry vent that is adequately insulated from freezing, shall be located in an exterior wall. Adequately insulated means that piping shall be located on the warm side of the insulation and vapour barrier in an enclosed space on the inside of the exterior wall.

This means a separate two-by-four or two-by-six wall (depending on piping sizes) must be built inside the insulated exterior wall, and the plumbing would need to be located inside this additional wall. In essence,

this adds an entire wall of insulation between the cold outside temperatures and the pipes, safeguarding the pipes from freezing during the winter.

It is important to note this will affect the design of some spaces (such as a laundry room), because this additional wall will decrease the interior footprint by four to six inches of floor space.

Future columns of Decoding the Code will continue to answer readers’ questions about how the provincial construction codes affect their projects. Email your questions to [email protected]. Be sure to include which city you live in, as well as your phone number in case I need to follow up with you.

w

Calgary & AreaNEW COMMUNITIESThe only magazine of it’s kind in Calgary!

A comprehensive look at Calgary

and Area’s new communities to help

you find the best neighbourhood and

home for you.

Brought to you by Wall2Wall Media

the creators of the New Home Guide.

www.wall2wallmedia.com

Brought to you by the publishers of

Calgary & Area FALL 2014 | VOLUME 5 ISSUE 02 FREE

INSIDE THIS ISSUE

LOREM 10 REASONS TO LOVEYOUR NEW HOME

LOEWM TIPS TO SELECT ANEW HOME BUILDER

LOEWM CALGARY REAL ESTATE:FUNDAMENTALLY SOLID IN ’14

COUNTRYMEETS CITY

The Best of Both WorldsPier11Airdrie.com

Airdrie

Phot

o: Q

ualic

o C

omm

uniti

es (R

aven

swoo

d)

TO BOOK YOUR ADVERTISING SPACE CONTACT:Melanie Gowans 403.200.8462

[email protected]


INSIDE THIS ISSUE




COUNTRYMEETS CITY


Airdrie

//DECODING THE CODE

MICHAEL NYIKES Michael is a nationally

recognized speaker, columnist, and leading

industry expert on building codes, residential

construction, building envelope science, and environmental design. He can be reached at

[email protected]

» by MICHAEL NYIKES

Protecting exterior plumbing pipes

Q: Considering how cold it is in Alberta during the winter, are plumbing pipes allowed to be installed in exterior walls?

A: Great question, and timely, too, because Albertans will see the temperatures regularly dipping below zero pretty soon.

In accordance with the 2010 National Plumbing Code of Canada (2010 NPC), piping in exterior walls shall be protected from frost. Unfortunately, the methods of protection are not specifically described in the 2010 NPC, and as we know, the climatic conditions vary greatly in Alberta during the winter.

To provide guidance on this topic, Alberta Municipal Affairs released Standata P-07-06-NPC 10 (Rev 2) in November 2012, indicating that methods of protection as described in the previous Alberta Plumbing and Private Sewage Codes were suitable on the basis of past performance and shall be established on the basis of local experience.

It was determined that no part of a plumbing system, except a dry vent that is adequately insulated from freezing, shall be located in an exterior wall. Adequately insulated means that piping shall be located on the warm side of the insulation and vapour barrier in an enclosed space on the inside of the exterior wall.

This means a separate two-by-four or two-by-six wall (depending on piping sizes) must be built inside the insulated exterior wall, and the plumbing would need to be located inside this additional wall. In essence,

this adds an entire wall of insulation between the cold outside temperatures and the pipes, safeguarding the pipes from freezing during the winter.

It is important to note this will affect the design of some spaces (such as a laundry room), because this additional wall will decrease the interior footprint by four to six inches of floor space.

Future columns of Decoding the Code will continue to answer readers’ questions about how the provincial construction codes affect their projects. Email your questions to [email protected]. Be sure to include which city you live in, as well as your phone number in case I need to follow up with you.

w

Calgary & AreaNEW COMMUNITIESThe only magazine of it’s kind in Calgary!

A comprehensive look at Calgary

and Area’s new communities to help

you find the best neighbourhood and

home for you.

Brought to you by Wall2Wall Media

the creators of the New Home Guide.

www.wall2wallmedia.com



INSIDE THIS ISSUE




COUNTRYMEETS CITY


Airdrie

Phot

o: Q

ualic

o C

omm

uniti

es (R

aven

swoo

d)

TO BOOK YOUR ADVERTISING SPACE CONTACT:Melanie Gowans 403.200.8462

[email protected]


INSIDE THIS ISSUE




COUNTRYMEETS CITY


Airdrie


» by CODY BATTERSHILL

//CALGARYISM

CODY BATTERSHILL is the founder of

Calgaryism and a top producing realtor at

ReMax House of Real Estate. Born and raised in Calgary, Cody has a passion for helping his clients accomplish their

real estate goals and loves to show off the best

Calgary has to offer! He can be reached at 403.370.4180,

@Calgaryism on Twitter and calgaryism.ca

3 REASONS TO BUY A NEW HOME

in a Calgary lake community

We Calgarians are extremely lucky to live near the Rocky Mountains in an area prone to the weather phenomena called a Chinook, capable of warming up a cold winter’s day (and our spirits) by several degrees in a matter of hours.

But while we have the beautiful mountains and foothills, what we could definitely use more of is lakes, and lakefront properties for that matter which many home owners desire. Well, that is something that has been taken into consideration by a few residential developers looking to provide new-home buyers with the opportunity to live a lakeside lifestyle right here in Calgary.

Auburn Bay and Mahogany, two of our city’s newest man-made lake neighbourhoods, are perfect examples of that initiative. Each has its own unique master plan, home styles and price points providing a wide range of purchasing opportunities.

Here are three reasons why making a move to a new home in a new lake community may be for you.

1. LAKESIDEThe lake, often found central to the host neighbourhood, is quite obviously one of the most alluring features of buying a new home in any new Calgary lake community.

During the spring and summer is when the benefits of suburban lakeside living are most apparent, as residents and their guests have exclusive access to the lake and all that it has to offer.

From casual water sports and super-soaker fights to some much needed rest and relaxation on the beach, it’s all doable at the community lake just a short walk away from home.

2. FAMILY ORIENTEDMany parents look for an extraordinary neighbourhood setting to raise a family in, a place that will foster fond memories between each other (and neighbours) for many years to come. Having said that, it may come as no surprise that Calgary's newest lake communities fit that role perfectly!

During warmer months of the year, children from all over the neighbourhood frolic to the lake in search of fun with their peers while parents meet new friends of their own – and network, I might add – to keep tabs on the young ones.

Auburn Bay and Mahogany have very active community centres that host a variety of events ranging from yoga and dance classes to social gatherings and holiday celebrations, some of which are free or included in the residential lake membership fees. These weekly events also help promote relationships between families and members of the community.

3. ATTAINABLECalgary’s wide variety of lake community real estate allows buyers from all walks of life to take part in a lakeside lifestyle.

Prices in Auburn Bay, for example, range from the $200,000s to more than $1 million for everything from condos and townhomes to starter-homes and estate lakefront homes.

Owning a new home in Auburn Bay or Mahogany may not be as far off for some people as they think! Is it time for you to start living your life on or near the lake in southeast Calgary?

Many parents look for an extraordinary neighbourhood setting to raise a family in, a place that will

foster fond memories between each other (and neighbours) for many

years to come.

With cold weather approaching, Canadian homeowners will soon be looking for ways to reduce home energy consumption and heating costs.

With memories of last winter – one of the harshest in recent history – still fresh, many Canadians are taking a more proactive approach to prevent the condensation, drafts and cold floors that are dead giveaways you’re paying too much to heat your home.

And yes, these warning signs surface even in new homes.“An under-performing building envelope is the main

reason why the average Canadian spends unnecessary money on heating costs,” says Jay Nordenstrom, executive director of NAIMA Canada, an association of insulation manufacturers.

“A robust building envelope means homeowners decrease their energy needs. This lowers monthly heating bills, along with the associated greenhouse gas emissions, and enhances comfort during catastrophic winter weather.”

Just what is a “building envelope”? It’s a term to describe the building components that separate the indoors from the outdoors. A home with a modern building envelope – well insulated, properly sealed and well ventilated – can provide shelter during the most brutal weather conditions. It also provides insurance in the event your furnace is disabled by a power outage.

Paying a premium for a house with increased wall and attic insulation, for example, can provide month-over-month payback by lowering energy consumption and heating costs. These savings vary, however, and are determined by the R-value of your home’s insulation. Higher R-values mean greater insulating power.

New homes offer the best opportunity to ensure a high-performance building envelope, and NAIMA suggests home builders not trade off improvements to the building envelope in favour of mechanical systems.

Renovating a home is another opportunity to improve the building envelope. The most beneficial upgrades include installing appropriate amounts of insulation and weather sealing where drafts and air leakages are occurring, NAIMA says. Many of these can be done as do-it-yourself projects.

Across Canada, grants and rebates are available from the federal and provincial governments and local utilities, especially for energy-saving renovations.

More information on such programs and tips on how to insulate your home is available at naimacanada.ca

HOW TO REDUCE YOUR

energy consumption and heating costs

//TOP HOMEBUYING TIPS


» by CODY BATTERSHILL

//CALGARYISM

CODY BATTERSHILL is the founder of

Calgaryism and a top producing realtor at

ReMax House of Real Estate. Born and raised in Calgary, Cody has a passion for helping his clients accomplish their

real estate goals and loves to show off the best

Calgary has to offer! He can be reached at 403.370.4180,

@Calgaryism on Twitter and calgaryism.ca

3 REASONS TO BUY A NEW HOME

in a Calgary lake community

We Calgarians are extremely lucky to live near the Rocky Mountains in an area prone to the weather phenomena called a Chinook, capable of warming up a cold winter’s day (and our spirits) by several degrees in a matter of hours.

But while we have the beautiful mountains and foothills, what we could definitely use more of is lakes, and lakefront properties for that matter which many home owners desire. Well, that is something that has been taken into consideration by a few residential developers looking to provide new-home buyers with the opportunity to live a lakeside lifestyle right here in Calgary.

Auburn Bay and Mahogany, two of our city’s newest man-made lake neighbourhoods, are perfect examples of that initiative. Each has its own unique master plan, home styles and price points providing a wide range of purchasing opportunities.

Here are three reasons why making a move to a new home in a new lake community may be for you.

1. LAKESIDEThe lake, often found central to the host neighbourhood, is quite obviously one of the most alluring features of buying a new home in any new Calgary lake community.

During the spring and summer is when the benefits of suburban lakeside living are most apparent, as residents and their guests have exclusive access to the lake and all that it has to offer.

From casual water sports and super-soaker fights to some much needed rest and relaxation on the beach, it’s all doable at the community lake just a short walk away from home.

2. FAMILY ORIENTEDMany parents look for an extraordinary neighbourhood setting to raise a family in, a place that will foster fond memories between each other (and neighbours) for many years to come. Having said that, it may come as no surprise that Calgary's newest lake communities fit that role perfectly!

During warmer months of the year, children from all over the neighbourhood frolic to the lake in search of fun with their peers while parents meet new friends of their own – and network, I might add – to keep tabs on the young ones.

Auburn Bay and Mahogany have very active community centres that host a variety of events ranging from yoga and dance classes to social gatherings and holiday celebrations, some of which are free or included in the residential lake membership fees. These weekly events also help promote relationships between families and members of the community.

3. ATTAINABLECalgary’s wide variety of lake community real estate allows buyers from all walks of life to take part in a lakeside lifestyle.

Prices in Auburn Bay, for example, range from the $200,000s to more than $1 million for everything from condos and townhomes to starter-homes and estate lakefront homes.

Owning a new home in Auburn Bay or Mahogany may not be as far off for some people as they think! Is it time for you to start living your life on or near the lake in southeast Calgary?

Many parents look for an extraordinary neighbourhood setting to raise a family in, a place that will

foster fond memories between each other (and neighbours) for many

years to come.

With cold weather approaching, Canadian homeowners will soon be looking for ways to reduce home energy consumption and heating costs.

With memories of last winter – one of the harshest in recent history – still fresh, many Canadians are taking a more proactive approach to prevent the condensation, drafts and cold floors that are dead giveaways you’re paying too much to heat your home.

And yes, these warning signs surface even in new homes.“An under-performing building envelope is the main

reason why the average Canadian spends unnecessary money on heating costs,” says Jay Nordenstrom, executive director of NAIMA Canada, an association of insulation manufacturers.

“A robust building envelope means homeowners decrease their energy needs. This lowers monthly heating bills, along with the associated greenhouse gas emissions, and enhances comfort during catastrophic winter weather.”

Just what is a “building envelope”? It’s a term to describe the building components that separate the indoors from the outdoors. A home with a modern building envelope – well insulated, properly sealed and well ventilated – can provide shelter during the most brutal weather conditions. It also provides insurance in the event your furnace is disabled by a power outage.

Paying a premium for a house with increased wall and attic insulation, for example, can provide month-over-month payback by lowering energy consumption and heating costs. These savings vary, however, and are determined by the R-value of your home’s insulation. Higher R-values mean greater insulating power.

New homes offer the best opportunity to ensure a high-performance building envelope, and NAIMA suggests home builders not trade off improvements to the building envelope in favour of mechanical systems.

Renovating a home is another opportunity to improve the building envelope. The most beneficial upgrades include installing appropriate amounts of insulation and weather sealing where drafts and air leakages are occurring, NAIMA says. Many of these can be done as do-it-yourself projects.

Across Canada, grants and rebates are available from the federal and provincial governments and local utilities, especially for energy-saving renovations.

More information on such programs and tips on how to insulate your home is available at naimacanada.ca

HOW TO REDUCE YOUR

energy consumption and heating costs

//TOP HOMEBUYING TIPS

403.245.3515www.lifeontheridge.ca

Nothing ButClear Views AheadWELCOME TO THE TOP OF THE RIDGE

EvansRidge is now selling the last of Northwest Calgary's highly sought after Ridge Lots. With 8 reputable builders to choose from and additional

inventory in all home categories, EvansRidge has the home your family deserves.

Thank you to everyone who entered the $50K contest! Please visit DREAM50K.CAfor the results.

Final Phase Now Selling

A Northwest Community


DATE:17 Oct 2014

Produced by

1005 - 11 Ave SWCalgary, AB T2R 0G1Phone: 403.287.9300

Fax: 403.287.9915

F I L E N A M E S A R E F O R I N T E R N A L U S E O N L Y

T H I S F I L E I S P R I N T E D I N 4 C O L O R

File Name TC-12226 NHG NOV v2.inddPublication New Home Guide Insertion November 7, 2014Client Trico Homes Size 6.75” x 4.625” w/bleedsFonts used Helvetica Neue LTPicture infoProducer GS Revision # Reference # Page #1 of fi le DO NOT ALTER THIS ARTWORK WITHOUT CONTACTING TRICO HOMES

Homes that fi t… you | Find out more at TricoGetsMe.com

BUILDING IN 16 AMAZING COMMUNITIES IN CALGARY & SURROUNDING AREAS

You’ve always focused on needs rather than wants. Three bedrooms not four. Oil rubbed bronze instead of

stainless steel. An ideal location, minus the ideal kitchen. You’ve always had a nice home, but you’ve often

compromised. But now, you can afford the fi nishes, fl ooring and fi ne details — whatever you want — that

gives your home, personality. | Trico understands that. And we’ll ensure everything you want also fi ts

everything you need. We’ll be a sounding board to help guide you through the decisions that will match the

perfect home to your very discerning taste. | We’re not just building homes…we’re building character.

You’ve Earned ItWITH THIS HOME, INDULGE YOURSELF

perfect home to your very discerning taste.

//FUNDAMENTALLY SPEAKING

WAYNE KARL is an award-winning

writer and editor with experience in real

estate and business. In Fundamentally

Speaking, Wayne explores the basics – such as

economic fundamentals – you need to examine

when buying property. He can be reached at

[email protected] or follow him on Twitter

at Twitter.com/WayneKarl

» by WAYNE KARL

Why you should always check your property boundary

Have you bought, or are considering buying, a new home and want to build a fence, shed or deck or otherwise spruce up your residence? Here’s why you might want to check your property boundary first.

A recent analysis conducted by Krcmar Surveyors Ltd. showed that about 49 per cent of residential properties in the Greater Toronto Area, for example, have boundary discrepancies with significant potential to cause disputes between neighbours.

Horror stories of feuding neighbours, litigation nightmares and tens of thousands of dollars in legal costs are not just the stuff of Hollywood movies – it really does happen.

And yes, even with new homes.Sometimes, it’s just difficult to tell

where one property ends and another begins. “It’s not as easy as one would think, in a muddy construction zone with no fences and rudimentary driveways, curbs and roads to delineate land parcels,” says Sasa Krcmar, executive director of Krcmar Surveyors Ltd., whose company has helped launch protectyourboundaries.ca, a site designed to help homeowners prevent and resolve property boundary issues.

Although legal iron bars are set to mark out each lot prior to construction, they often get knocked out, moved or buried during the building phase.

“Many homeowners naturally, and incorrectly, assume that the wooden stakes that dot the perimeter of their property represent the boundary, and use them as a guide to start planting a

hedge or put up a fence,” Krcmar told New Home Guide. “However, these wooden stakes are generally used for site grading. And while they are likely located near the property line, they can’t be relied upon to determine the legal boundary.”

Here, then, are a few tips for new-home owners to avoid property boundary issues.

GET THE SURVEYORS REAL PROPERTY REPORT: Your property boundary will be recorded in the Surveyors Real Property Report (SRPR) that is performed after the foundation walls are poured (approximately a foot above grade) and the soil is backfilled around the home. The SRPR is your official documentation of your building location and the property boundary lines. Builders typically provide this plan when you close the deal. Be sure you receive a copy and keep it in a safe place for future reference.

MARK THE FOUR BOUNDARY CORNERS OF YOUR PROPERTY: Ask the builder to have the surveyor mark the four boundary corners of your property with iron survey bars as a condition of closing. Even if the builder charges a nominal fee for this service, it is a cost-effective practice that will allow you to add structures and landscaping with confidence and peace of mind in years to come.

PROTECT THE IRON SURVEY BARS THAT DEFINE YOUR PROPERTY: Protect the iron survey bars that define the corners of the property. They are legal monuments that provide the most important evidence of your property boundaries. Don’t remove or move them, or allow others to.

BE A GOOD NEIGHBOUR: Be a good neighbour, while at the same time ensuring that your neighbours don’t establish a pattern of using part of your property for their routine activities.

AND, IF ALL ELSE FAILS: Visit protectyourboundaries.ca, where, for a cost that varies depending on the surveyor (usually $200 to $300), homeowners can find their exact property boundaries.

ASK AN EXPERT: by HEATHER RYAN

Q & ANEW TECH IDEAS FOR YOUR HOME

ASK AN EXPERT by HEATHER RYANQ&A

//ASK AN EXPERT

Q: What is some of the new technology that’s available in new homes?A: “What’s really big in new homes is being able to control systems via your mobile phone or iPad,” says James Alexander, who heads up the custom integration division for Western Canada Visions, which is partnered with Shane Homes to provide structured wiring in their new homes.

“You can control your home’s locks, lights, temperature … all at a touch of a button,” he says. “You can turn on lights before you come home from work and the system can learn your pattern so it can simulate what you normally have on when you’re away on holidays.

“The newest control is with water – a sensor on the hot water tank will shut off the main if a leak is detected and it’ll send an alert to your phone,” Alexander says, “and sensors on your sprinkler system will water where the lawn is dry.”

Another new idea, he says, is permanent Christmas lights that are installed in the eaves so they’re out of sight most of the year and can be programmed to come on when you want them.

“But I think the coolest idea is for homes with speaker systems – a guest can use their phone to log onto my Wi-Fi, hit a button and play music from their playlist in my home; it’s great when you’re entertaining.”

Alexander says they’re creating Wi-Fi and networks with wireless access points in new homes “so the system gives full coverage from every corner of the lot. We’re also setting up distributed audio so music can be heard throughout the home and wiring homes so people no longer need a cable box by every TV.”

He notes that security systems are going wireless, but recommends they still be hard wired – “it’s the best way to go and they can be integrated with everything else.”

Doorbells are also being tied into the speaker system so you can hear it ring when you’re on the back deck. “And some people have exterior cameras that can be triggered when the doorbell rings so you can see who’s there even when on vacation.”


01 SADDLESTONE DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group www.genesisbuildersgroup.com

02 SADDLEBROOK DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes

04 REDSTONE DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes

05 CITYSCAPE DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

›› NORTHEASTCOMMUNITIES


16 AVENUE 16 AVENUE

32 AVENUE

64 AVE.

CEN

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14 S

TREE

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COUNTRY HILLS BLVD.

52 S

TREE

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IS T

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CALGARYINTERNATIONALAIRPORT

BEDDINGTON TRAIL

NOSE HILL PARK

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STONEY TRAIL

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80 AVENUE

64 AVENUE

MCKNIGHT BLVD.

68 S

TREE

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ON

RID

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1

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5

4

DONNA MOORE Executive Officer,

Calgary Region Home Builders’ Association

403.235.1911crhba.com

» by DONNA MOORE

//THE HOMEBUYING PROCESS

TODAY’S NEW HOMES PROVIDING

healthy indoor environment

With the arrival of shorter days and winter weather most Calgarians are starting to spend more time indoors out of the cold.

As the temperature drops and the snow flies, people typically go into the cocooning mood and may spend as much as 90 per cent of their time indoors over the winter months – most of which will be in their own homes.

Because of this, the “health” of the home becomes more important to homeowners, especially those with allergies, young children and elderly family members.

Poor indoor air quality inside your home can impact the well-being of all who live there. It can range from a general sense of feeling tired or under the weather to contributing to, or perhaps even triggering, allergies and asthma issues.

Off-gassing from building materials, paint, finishes and new furniture, excessive moisture that can cause a buildup of mould and mildew, and improper ventilation and incomplete combustion in heating systems can all have an impact on the quality of air inside your home.

Without even realizing it normal everyday activities that occur inside the home such as cooking, showering, washing dishes, cleaning and doing the laundry can create moisture and hamper indoor air quality. Further, off-gassing from the use of household cleaners and sprays, dust and even emissions from equipment used in a home office can contribute to unhealthy air. And that’s not even taking into account the amount of dander and hair contributed by your pets, not to mention what they can potentially bring into the home from outside on their fur.

With all this in mind, it’s good to know that today’s new homes are built to give your family the best possible indoor environment, resulting in a comfortable, enjoyable home with clean air, a comfortable moisture level and no moulds or lingering odours.

Starting from the construction and design process, new home builders in the Calgary region are addressing the indoor environment. Good indoor air quality begins with solid construction that prevents air leakage and moisture penetration that eliminates dampness and cold spots. New processes that are used today not only increase comfort, but also prevent mould growth.

To help prevent condensation, exterior walls are well insulated with air barriers, vapour retarders and caulking, and energy-efficient windows are expertly installed.

As well, mechanical ventilation is included in every new home, using exhaust fans to get rid of stale or excess moist air that is often generated inside the home as a result of daily routines during the course of the day. Many new homes come with a heat recovery ventilator, which continuously brings in fresh, filtered air from the outside, while eliminating the stale air.

These energy-efficient heating and cooling systems operate cleanly and safely, drawing air directly from the outside and venting exhaust gasses separately to avoid any risk of noxious fumes inside the home.

Building codes today are designed to protect the homeowners and help conserve energy, making today’s homes healthier and more sustainable, as well as safer for those living in them.

In addition, many builders are using environmentally-friendly building materials to reduce the amount of pollutants or contaminants introduced into the home during its construction. These include non-solvent-based glues and grouts, water-based paints, formaldehyde-free cabinetry and pre-finished hardwood flooring.

Besides the materials, many products are selected and installed by local builders because they have a positive long-term effect on the quality of air inside your new home. For instance, going with a hard-surface flooring material or selecting cabinets and countertops that can be easily cleaned with mild, non-toxic solutions are among the ways to help promote a cleaner environment.

The Pinnacle of

A Brand New Magazine Dedicated to High-End Properties in Calgary and Area

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MAKING A LUXURIOUS

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FALL 2014

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CONTINUES� e adventure

TO BOOK YOUR ADVERTISING SPACE CONTACT:

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Available on your mobile device luxurylivingcalgary.com

HIGH RIVERHIGHWOOD LAKE DEVELOPER: WestView Builders BUILDER: WestView Builders

HAMPTON HILLS BUILDERS: WestView Builders

MONTROSE DEVELOPER: Dream Development BUILDER: Lifestyle Homes, Red Door Homes

PRIDDISHAWKS LANDING DEVELOPER: Hopewell Residential Communities BUILDERS: Prominent Homes, Baywood Estate Homes, Trickle Creek Custom Homes, Wolf Custom Homes, Thompson Luxury Homes, Bradmar Homes, Baywest Homes www.hawkslanding.ca

BLACK DIAMONDRIVERWOOD DEVELOPER: Riverwood Estates Inc. BUILDERS: Sheep River Homes, Woodmaster Homes

RIVERWOOD ESTATES BUILDERS: Compass Rose Homes, Sheep River Homes

HERITAGE POINTEARTESIA AT HERITAGE POINTE DEVELOPER: Heritage Pointe Properties Inc. BUILDERS: Astoria Custom Homes, Albi Homes, Calbridge Homes www.liveatartesia.com

›› CALGARYREGIONSOUTHNOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

CALGARY

1

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The Pinnacle of

A Brand New Magazine Dedicated to High-End Properties in Calgary and Area

LUXURYThe only magazine of its

kind in Calgary, Luxury Living

showcases high-end homes,

condos and properties. This

is your exclusive opportunity to

establish your property as the

pinnacle of affluent living.


IT’S ALL ABOUT

LIFESTYLE

GETTING TO KNOW

BLAIR FOISY

MAKING A LUXURIOUS

STATEMENT WITH FLOORING

AVAILABLE ONLINE AT

LuxuryLivingCalgary.com

FALL 2014

THE AMAZING

RACE CANADA’S

JON MONTGOMERY

CONTINUES� e adventure

TO BOOK YOUR ADVERTISING SPACE CONTACT:

Melanie Gowans 403.200.8462 [email protected]

Available on your mobile device luxurylivingcalgary.com


HIGH RIVERHIGHWOOD LAKE DEVELOPER: WestView Builders BUILDER: WestView Builders

HAMPTON HILLS BUILDERS: WestView Builders

MONTROSE DEVELOPER: Dream Development BUILDER: Lifestyle Homes, Red Door Homes

PRIDDISHAWKS LANDING DEVELOPER: Hopewell Residential Communities BUILDERS: Prominent Homes, Baywood Estate Homes, Trickle Creek Custom Homes, Wolf Custom Homes, Thompson Luxury Homes, Bradmar Homes, Baywest Homes www.hawkslanding.ca

BLACK DIAMONDRIVERWOOD DEVELOPER: Riverwood Estates Inc. BUILDERS: Sheep River Homes, Woodmaster Homes

RIVERWOOD ESTATES BUILDERS: Compass Rose Homes, Sheep River Homes

HERITAGE POINTEARTESIA AT HERITAGE POINTE DEVELOPER: Heritage Pointe Properties Inc. BUILDERS: Astoria Custom Homes, Albi Homes, Calbridge Homes www.liveatartesia.com

›› CALGARYREGIONSOUTHNOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

CALGARY

1

22

1A

22X

2

22X

797

1

543 2A

2TURNER VALLEY

PRIDDIS

STRATHMORE

BLACK DIAMOND

HERITAGE POINTE

OKOTOKS

HIGH RIVER

LANGDON

CHESTERMERE

COCHRANE


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////MORTGAGE ADVICE

» by ALYSSA RICHARD

When you sit down with a mortgage broker or bank to talk about your mortgage financing options, one of the products they may offer you is a collateral mortgage. Collateral mortgages are a readvanceable mortgage product, meaning it comes with the option to borrow more money as your property value increases, without having to refinance your mortgage.

In theory, this should be a fantastic product for mortgage holders. Normally, if you wanted to borrow equity from your home partway through your mortgage term, you’d have to refinance your mortgage – and pay a hefty penalty to do so. As well, whenever you refinance, you have to pay a real estate lawyer to oversee the transaction. Hello, legal fees – and more costs that need to come out of your pocket.

Unfortunately, the grass isn’t always greener on the other side, and a collateral mortgage might not always be as great as it sounds. Why? Well, for starters, on paper, having a collateral mortgage can make it look like you have more debt than you actually do. Collateral mortgages are registered with a collateral charge, meaning lenders register the home as being worth slightly more than it is (up to 125 per cent more, in fact). They do this so that when the value of your home does go up you’re able to borrow up to 80 per cent of the increased value – not the original amount it was valued at when you first bought it.

The downside to this is the collateral charge could make it look like you have more debt than you really do. If, sometime throughout your mortgage, you wanted to secure secondary financing for other things, a lender would have to review your credit history and would see this larger amount registered under your name. Depending on your financial situation at the time, this may be reason enough for them to decline your application for more financing.

The second and final reason collateral mortgages aren’t always as great as they sound is that you can’t transfer them to another lender – not even when your mortgage term is up. See, collateral loan agreements aren’t registered with your land title or registry office. Instead, they’re registered under the Personal Property Security Act (PPSA) of Canada. For that reason, it may contain terms that other lenders don’t

agree with. So, if you ever decided you wanted to switch lenders, you would need to hire a real estate lawyer (and pay those legal fees) to get you out of your agreement.

Now, I’m still not saying you should just steer clear of these products. If you think you’ll need to borrow equity in the future, and plan to keep your mortgage with the same lender, a collateral mortgage would be a great product for you! But for those who favour flexibility: do all your research, before simply signing on the dotted line.

ALYSSA RICHARD is the Founder and

CEO of RateHub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart

financial decisions.

Are collateral mortgages good? In theory…

Unfortunately, the grass isn’t always greener on the other side, and a collateral mortgage might not always be as great as it sounds.


5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTEREST RATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAX INCOME

AMOUNT OF MORTGAGE

(PRICE – DOWN PAYMENT)

DIVIDE BY 3AFFORDABLE

MONTHLY PAYMENTS

AMORTIZATION AMOUNTCHART FIGURE

AMOUNT OF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATED MONTHLY

TAXES & HEAT

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.

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.

//HOMEBUYERS’ HELP

Calculate your mortgage payments

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

CONVENTIONALThe buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.The buyer has to pay 20% down. A conventional mortgage cannot exceed 80% of the value of the property.

INSURED OR HIGH-R ATIO:A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

MORTGAGE OPTIONSYou can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

OPEN MORTGAGE:Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty.

Because of f lexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

CLOSED MORTGAGE:Usually has the lowest interest rate available but lacks the f lexible features of other mortgage options.A good choice for those who want the security of knowing their monthly payment is fixed for a longer term.

Prepayment options are available but they are subject to conditions.

PORTABLE MORTGAGE:Flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

VARIABLE 6 month 1 year 2 years 3 years 4 years 5 years

PREPARED BY CANNEX ON OCTOBER 11, 2014. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2014 CANNEX Financial Exchanges Limited. All rights reserved.

ATB Financial 2.700 4.000 2.940 2.890 2.990 3.040 3.190

Alterna Bank 2.600 4.000 2.980 2.980 2.980 2.940 3.190

Alterna Savings 2.600 4.000 2.980 2.980 2.980 2.940 3.190

Bank of Montreal (BMO) 3.000 4.000 3.140 3.040 3.850 4.390 4.990

Bank of Nova Scotia 3.100 4.550 3.290 3.140 3.440 3.940 4.790

Bridgewater Bank - - 5.100 4.700 5.250 - 5.250

CIBC Mortgages 3.000 4.450 2.990 2.940 3.650 4.240 4.990

Caisses Desjardins 3.000 4.400 3.140 3.240 3.750 4.390 4.890

Canadian Western Bank 3.200 4.000 3.140 3.040 3.750 4.390 4.990

Canadian Western Trust 3.200 4.000 3.140 3.040 3.750 4.390 4.990

Comtech Credit Union - 6.200 2.990 3.250 3.290 2.990 2.900

DUCA Financial Services 2.550 - 3.090 3.000 2.990 3.090 2.990

Effort Trust - 4.450 3.450 3.600 3.700 4.600 4.950

Equitable Bank - - 3.140 3.140 3.950 4.540 4.940

First Calgary Financial - 4.000 2.890 2.890 3.190 3.390 3.290

First National Financial 2.450 3.950 2.990 2.590 2.690 2.890 3.090

FirstOntario Credit Un. 2.600 4.240 3.090 3.140 3.290 2.840 3.190

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.340

Home Trust Company 2.500 3.950 2.890 2.890 2.790 2.940 2.950

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.890

Investors Group Trust 3.000 4.200 3.140 3.140 3.750 4.640 4.990

Laurentian Bank Canada 3.000 4.400 3.140 3.140 3.500 4.390 4.790

League Svgs & Mortgage - 4.000 3.140 3.040 3.100 3.080 3.190

Libro Credit Union - 3.900 3.150 3.150 3.150 3.200 3.250

London Life 3.000 4.200 3.140 3.140 3.750 4.640 4.990

Manulife Bank 2.700 4.450 3.000 3.040 3.040 3.090 3.090

Manulife Trust - 4.450 3.000 3.040 3.040 3.090 3.090

Peace Hills Trust - 4.500 3.150 3.500 3.750 3.850 3.950

President’s Choice Fin’l 3.000 6.190 3.190 2.940 3.590 4.040 4.440

Royal Bank of Canada 3.000 3.140 3.140 3.140 3.950 4.540 4.940

Servus Credit Union - 4.000 3.140 3.040 3.750 4.240 4.790

Steinbach Credit Union - - 2.650 2.800 2.900 2.950 3.100

T-D Mortgage 3.000 4.000 3.090 3.040 3.440 3.940 4.790

Tangerine 3.000 - 3.190 3.240 3.490 3.690 3.790

Mortgage interest rates


Hopewell Residential www.hopewellcommunities.com

Baywest Homes www.baywesthomes.com

Cardel Homes www.cardelhomes.com

Vesta Properties www.vestaproperties.com

Jayman Homes www.jayman.com

Homes by Avi www.homesbyavi.com

Mattamy Homes www.mattamyhomes.com

United Communities www.unitedcommunities.com

Jager Homes www.jagerhomes.com

Dream Development www.dream.ca

Brookfield Homes www.livebrookfield.com

Bordeaux Developments www.bordeauxdevelopments.com

Sabal Homes www.sabalhomes.com

Shane Homes www.shanehomes.com

Trico Homes www.tricohomes.com

Calbridge Homes www.calbridgehomes.com

Landmark Homes www.landmarkgroup.ca

Cedarglen Homes www.cedarglenhomes.com

Morrison Homes www.morrisonhomes.ca

Excel Homes www.excelhomes.ca

Apex Developments www.apexbuildergroup.com

Genesis Land www.genesisland.com

Genstar Developments www.genstar.com/cities/calgary

Landscape 360 www.landscape360.ca

Qualico Communities www.qualicocommunities.com/calgary

Stepper Custom Homes www.stepperhomes.com

Tamani Communities www.tamanicommunities.com

Westmark Holdings – Cooper’s Crossing www.cooperscrossing.ca

Watermark www.watermarkatbearspaw.com

Builders and Developers

web directory

certainty comes standard

AUBURN BAY | CHAPARRAL VALLEY | EVANSTON | MAHOGANY | SUNSET RIDGE | RIVIERA

Experience all of our Move-In Ready models online today by visiting

you believe theperfect home belongs in the right communit y

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*Pricing and home selection subject to change without notice. Please visit sales centre for more information.

Visit our showhomes for more information:199, 203 & 207 Auburn Springs Blvd SE

STARTINGFROM THE $610‘sAUBURN BAY

INCLUDING HOME, LOT & [email protected] 403.726.0975

Visit our showhomes for more information:172 & 176 Auburn Bay Ave SE

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Visit our showhomes for more information:13, 17 & 21 Riviera Crescent, Cochrane

STARTINGFROM THE $570‘sRIVIERA


C/S

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

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

6 Stunning Showhomes Are Open To Tour In Mattamy’s Southwinds Community In Airdrie. Village Home, Urban Townhome & 4 Detached Showhomes Open To Tour!

A Variety Of Townhomes & Detached Home Designs In Southwinds.Southwinds is a distinctive new neighbourhood that continues our growth in Airdrie. It is a

stunning new extension of our highly popular, master-planned community of Windsong. We invite you to come be part of life in Southwinds.

Yankee Valley Blvd.

Balzac

8th

Str

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WR

ange

Roa

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10 MinutesTo Calgary

Nose C

reek

Windsong Drive 2

566

CrossIron Mills Mall

CO-OP

WALMART

Main Street

N

SalesCentre

AIRDRIESales Centre:907 Windsong Drive Airdrie, AB, T4B 0N5(403) 980-8765

The Ruby Showhome Double Car Garage Home

The Vintage ShowhomeSingle Car Garage Home

The Garnet Showhome Double Car Garage Home

The Kingsley Corner ShowhomeDouble Car Garage Home

The Ruby Showhome In Southwinds

calgary new home guide - nov 7, 2014

Documents

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dnowners suite13 x

beddington tr

shaganappi tr

stoney tr

sarcee tr