edmonton new home guide - december 21, 2012

Dec 21, 2012 - Jan 18, 2013 Volume 24 Issue 13Edmonton Edition

Your Best Source for New Homes

inside this issue

‘MARKET MELTDOWN’ MUCH ADO ABOUT NOTHING

CANADIANS CONFIDENTIN HOUSING MARKET

END-OF-YEARTAX TIPS

Build Your Nest Here!Northwest Edmonton’s most

desirable community

StarlingAtBigLake.com

001-NH EDM Cover_12-21-12_FIN.indd 1 12/14/12 3:02:12 PM

• Choose your lot.• Choose your builder.• The choice is yours.

Buy direct from the developerwww.vipdevelopmentgroup.com

Call 780-424-1600

Building Communities for your lifestyle

Highway 37

St. Albert Trail

167 A ve.

127 St.

Highway 2 Coal Mine Rd.

City ofSt. Albert

Lots backing onto man made lake and green belt, fully serviced lots,

lot sizes from half acre and up, architectural controls, 100’ - 200’

frontages, all walk-out lots.

All Lots Reducedand Selling Fast.

Call Now for Best Selection.

New Golf Course Community, one third acre & up lots, walk-out lots & lots backing onto golf course,

fully serviced, close to all amenities, architectural controls, new &

improved clubhouse & golf course.

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Anthony Henday

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Contact Dawn Loomis Realty Executives Devonshire Realty

780-929-6465 Direct

NOw OPENOn Site Sales Office

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HOLIDAY SALE – 5% DISCOUNTLimited Time Offer

Estate Homesites nestled between the North Saskatchewan River and the beautiful wooded Windermere Ravine. Stunning Views,

Large walkout Lots with 50’ to 86’ frontage able to accommodate large custom homes.

002-VIP 11-23-12.indd 2 12/14/12 12:09:05 PM

Show Home Locations

The Elements of Erin Ridge North 10 Executive Way North, St Albert780-733-7920Harvest Ridge – Single Family188 Harvest Ridge Dr., Spruce Grove780-733-7922Harvest Ridge – Rear Parking Lane11 Hewitt Circle, Spruce Grove780-733-7923North Ridge133 Northridge Dr., St. Albert780-733-7921Southfort Estates9 Greenfi eld Bend, Fort Saskatchewan780-733-7924Southfort Meadows404 Meadowview Drive NorthFort SaskatchewanSpruce Ridge GardensUnder constructionSpruce GroveWest Haven Park2 New Showhomes Opening 2013Leduc

Showhome Hours: Mon-Thur 3-8pm, Weekends & Holidays: 12-5pm

Offi ce: 780.489.3028 [email protected]

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Starting from the low $300,000’sStylish Attached Homes in Hawks Ridge

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Call or visit for more informationSuntree Pointe: 133 - 142 Selkirk PlaceJennifer:780.739.0533 or [email protected]

daytonahomes.ca

contentsDEC 21, 2012 - JAN 18, 2013 || VOLUME 24 ISSUE 13

features & editorials

IN EVERY ISSUE

10 EDITOR’S NOTE

COLUMNISTS 20 HOMEBUYERS’ HELP

Landscaping and your new homeby Shane’s Landscaping and Contracting

24 LEGAL ADVICETaking possession of your new home by Rosellina Giardino

40 FUNDAMENTALLY SPEAKINGFundamentally solidby Wayne Karl

60 HOME SMARTSStaging your existing home for maximum profitby Marnie Bennett

66 THE MORTGAGE MINUTEWhat’s all the fuss about a ‘market correction’?by Peter Kinch

BEDROCK HOMES’ Catalina – away from the city yet close to amenities

p.51Showhome Review

Nov 23 - Dec 21, 2012 Volume 24 Issue 12

HOMEBUYERS’ HELP

51 SHOWHOME REVIEWBedrock Homes’ Catalina – away from the city yet close to amenities

64 FINANCESEnd-of-year tax tips

76 TRENDSPOTTINGMuggedby Elisa Krovblit

80 FINANCESCanadians resolve to better manage their finances in 2013

85 COMMUNITY PROFILE Genstar presents North Ridge: the country side to city living

100 WEB DIRECTORYEdmonton area builders, developers and communities

104 NEW-HOMEBUYERS’ RESOURCE SECTIONMortgage calculator and rate table

IN THE NEWS

18 HOMES BY AVInamed a finalist in the 2012 CHBA National SAM awards

22 ESTATES AT WATERS EDGEThe Estates at Waters Edge – a lakefront community of single-family homes

30 CHBACHBA announces finalists for the 2012 National SAM Awards

46 CREEKWOOD CHAPELLEFirst in balanced energy homes and balanced budgets

94 BMOReport shows Canadians still confident in the housing market

VICE-PRESIDENT, WALL2WALL MEDIAJacqueline Hill

DIRECTOR OF SALES, WESTERN CANADAJosh HeppnerEDITOR-IN-CHIEF, REAL ESTATESusan Legge

ART DIRECTORDaiana Garay

EDITORWayne Karl

CONTRIBUTING EDITORSJanine DrueryElisa KrovblitSilvana LongoLydia McNutt (on leave)Sara Duck (on leave)

ACCOUNT EXECUTIVESJennifer Mizier 780.217.6778

Nancy Chemait 780.619.3241

PRODUCTION CO-ORDINATORGreg Van Sluytman

GRAPHIC DESIGNERViosa Barileva

MANAGER OF PRODUCTIONBala Gnanapandithan

NATIONAL ACCOUNT MANAGER, MEDIATIVE Paul Slizys

The Edmonton New Home Guide is a free publication with distribution every four weeks. Submit articles or advertising to PO Box 458. Station Main, Edmonton, Alberta T5J 2K1

COPYRIGHT 2012 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].

PUBLISHED BY

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

district maps012 EDMONTON REGION

027 NORTHWEST

037 NORTHEAST

039 SOUTHEAST

041 SOUTHWEST

049 SOUTH

061 BEAUMONT

065 LEDUC

069 WEST

077 SHERWOOD PARK

079 FORT SASKATCHEWAN

083 ST. ALBERT

091 SPRUCE GROVE

095 STONY PLAIN

098 GIBBONS / CALMAR

099 DEVON / MORINVILLE

85

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Rohit StarlingSEE OUR AD ON PAGES 28 & 29

COVER FEATURE ADVERTISER

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e d i t o r ’ s n o t e

Let lifestyle be your guideBig or small, your home is your retreat

Whether you’re considering a home near the beach, a golf course or a city pied-à-terre, you’re likely looking to compensate for what you don’t have in your current residence.

The amount of living space is usually the issue – either too much or too little. Most young families are looking for more living space, which is why builders are designing homes with interiors that maximize every square foot of living space to make the most of your money.

As we get older, the quest for living space may take a different direction. Downsizing is often the answer, and many homeowners with existing homes in suburban or rural areas are acquiring townhomes or pied-à-terres in the city. An urban location gives owners (and their friends) a chance to enjoy the social and cultural activities of the city without having to drive for hours to get home.

In today’s hectic world, your new home will be your retreat, so it’s important to � nd a space that suits your lifestyle. In this issue, we pro� le several new communities which offer the perfect place to put up your feet – plus we have the latest industry news and informative features about buying and owning a new home.

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

Follow me on Twitter at Twitter.com/SusanLegge

How does Edmonton measure up?Quite well, thank you very much, especially when looking at the long term

At the recent cross-country series of Housing Outlook Conferences presented by Canada Mortgage and Housing Corp. (CMHC), with a stop in Edmonton in late November, a central theme was discussed: How does

Edmonton measure up? As one of Canada’s healthiest housing markets, Edmonton is an interesting

study. CMHC analysts used local data to provide an honest assessment. Edmonton housing starts are forecast to increase 29 per cent to 12,000 units

in 2012 before moderating to 10,800 units in 2013. “Supported by low mortgage rates, robust job growth, and continued gains in net migration, new home starts in Edmonton will increase in 2012,” says David Lan, CMHC’s senior market analyst for Edmonton.

If you’ve been reading New Home Guide in recent weeks, or otherwise following news and developments in real estate, such numbers likely won’t surprise you. Some short-term challenges aside, the fundamentals that support the Edmonton housing market – strong economy, employment and immigration growth among them – are solid. Combine that with continuing low interest rates and regional markets that are proven performers, and...

How does Edmonton measure up? Over the long term, quite well, thank youvery much.

Wayne Karl EDITOR

Wall2Wall Media, [email protected] me on Twitter at Twitter.com/WayneKarl

10 NEW HOME GUIDE | DEC 21, 2012 - JAN 18, 2013

Happy Holidays!

From all oF us Here at

The end of a year brings reflection on the past, and the arrival of a new year brings dreams and opportunities. We thank you, our readers, for your continued support as we strive to bring you the best that the industry has to offer. We thank you, our advertising customers, for your patronage and continued loyalty to the magazine.

Best wishes in your home hunt!

www.hometrader.ca | Volume 15 issue 13 | NeW CoNdo Guide 17 26 New home Guide | dec 21, 2012 - jan 18, 2013 dec 21, 2012 - jan 18, 2013 | New home Guide 11

MARK MESSIER TRAIL

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EDMONTON & REGIONCheck Each Area District Map

For More Information

28A

ERHBAMEMBER

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Based on the J.D. Power and Associates 2012 Alberta Single-Family New Home Builder Customer Satisfaction StudySM conducted in association with the Professional Home Builders Institute of Alberta. Study measures ANHWP builder members and participating builder members of PHBIA, which represent more than two-thirds of all new single-family homes built in Edmonton. For more information, visit jdpower.com.

Joy to the world, your hardwood floors have come.

We’ve staked our reputation on delivering unsurpassed customer satisfaction. But don’t take our word for it. Based on our customers’ evaluations, J.D. Power and Associates has recognized Dolce Vita Homes as a Builder of Excellence for providing “An Outstanding Home Ownership Experience” for Single-Family Homes in Edmonton. It’s the second year in a row we’ve been recognized for customer satisfaction by J.D. Power and Associates. And that's pretty sweet.

Be the happiest homeowner on the Block. Go with edmonton's Builder of excellence.

16

Based on the J.D. Power and Associates 2012 Alberta Single-Family New Home Builder Customer Satisfaction StudySM conducted in association with the Professional Home Builders Institute of Alberta. Study measures ANHWP builder members and participating builder members of PHBIA, which represent more than two-thirds of all new single-family homes built in Edmonton. For more information, visit jdpower.com.

Joy to the world, your hardwood floors have come.

We’ve staked our reputation on delivering unsurpassed customer satisfaction. But don’t take our word for it. Based on our customers’ evaluations, J.D. Power and Associates has recognized Dolce Vita Homes as a Builder of Excellence for providing “An Outstanding Home Ownership Experience” for Single-Family Homes in Edmonton. It’s the second year in a row we’ve been recognized for customer satisfaction by J.D. Power and Associates. And that's pretty sweet.

Be the happiest homeowner on the Block. Go with edmonton's Builder of excellence.

17

i n t h e n e w s

Homes by Avi – edmonton is tHrilled to announce its inclusion as a finalist in the 2012 Canadian Home Builders Association (CHBA) National Sales & Marketing Awards.

The 2012 CHBA National Sales & Marketing Awards are an integral part of the highly competitive and innovative spirit of the Canadian homebuilding industry, encouraging builders from all over Canada to not only compete with colleagues in the industry but to continuously improve on their own work. Homes by Avi is proud of our role as an innovator in the Canadian homebuilding industry and being recognized as a finalist in the CHBA National Sales & Marketing Awards is a testament to our ongoing effort toward excellence.

Beyond these industry awards, we are firm in our commitment to building Albertans’ dream homes and fostering positive community relationships in the cities we help shape. Our dedication to our customers and the communities they call home is a pillar of our success and reputation.

Homes by Avi is A finAlist in tHe following cAtegory:

Single Detached Home Under 1,500 Sq. Ft. – The Jacob Darcy Dean in Maple Crest.

for a full list of 2012 cHbA national sales & marketing finalists, visit chba.ca

Homes by Avi a finalist in 2012 CHBA National

Sales & Marketing Awards

18 New home Guide | dec 21, 2012 - jan 18, 2013

every feature you would l ike under idea l circumstances. Don’t be afraid to consider designs that are of a larger scale. With a little creativity from your landscaping contractor, together you will be able to adapt and scale down most designs to fit your property and give it personal flair. Sift through ideas to determine which features are most important to you and are the most feasible. Identify your dream landscape, determine your style and establish a budget. In some cases you may need to compromise due to space or money constraints.

A good landscaping professional should have a website with a photo library of previous landscaping projects. Browsing through and looking at homes with beautifully landscaped yards will surely get your creative juices flowing.

Call a professional Hiring a qualified professional with the proper knowledge is a great place to start. Most homeowners underestimate the work associated with landscaping the yard of new home. Many of the procedures are tedious, lengthy and very labor intensive, often including several pieces of large equipment. Do-it-yourselfers… beware. In order to achieve the stylish and functional yard you desire to complement your new home, hiring a qualified landscaping contractor to get the job done is your first step.

By simply taking some of the above advice into consideration, the process of achieving the “Yard of your Dreams” will be easier. A quality outdoor living space will not only make you the envy of the neighborhood and be a welcome sanctuary for your family, children and pets for years to come; it will also increase the value of your home. It is important to hire a landscaping contractor who has extensive experience in the industry, and is a full service landscaping company. Shane’s Landscaping & Contracting Ltd. specializes in residential, estate and acreage landscape construction. From patios to water features, driveways, retaining walls, lighting, walkways, fences, irrigation, garden beds, boulders, barbecue, fire pits and the new synthetics grasses, we can help make your landscaping beautiful. Planning your landscaping is an exciting time and we are here to help. Our team of friendly knowledgeable and hardworking staff can make your landscaping dream a reality. Call us now for a consultation.

Shane’s Landscaping & Contracting Ltd. is locally owned and operated, providing residential/commercial landscaping, commercial snow removal services to Edmonton and surrounding area. Call us for a consultation at 780.983.8233 or view our website at shaneslandscaping.com

Building a new home is a very exciting time. Thinking about landscaping may be the last thing on your mind, given all the other decisions you are making. However, by keeping in mind a few key elements, achieving the “yard of your dreams” will be easier and stress-free once your home is built.

Know the faCts Understanding the restrictions and capabilities of your lot is important. Builders differ as to what is included in the price of your home and lot. There will be legal responsibilities for landscaping your new home. Rough grade, final grade, landscaping deposit and seasonal holdbacks are all terms you will need to familiarize yourself with. Rough grade approval will likely be applied for and absorbed in the cost of your home.

Any extra excavation required for retaining walls will be at an additional cost to you. Know what you are required to do and what your builder has included. Your developer will have some landscaping guidelines and requirements for your neighborhood. These must be followed as requested by the developer. The developer requirements in most cases include front yard landscaping and the design or style of your fencing. Keep in mind, what type of soil you have, how much sun you get in the front and back yards of your home. How much room do you have? Does your neighborhood allow underground irrigation? Will you require additional underground pipes to be installed? All of this is much easier and affordable if thought out and planned beforehand. Ask questions!

MaKe a wish list Having an idea of what the final overall effect you are trying to achieve is helpful. Determine the landscaping features and needs you want and put them down on paper. Try to list

landscaping & your new home

photo provided courtesy of shane’s landscaping and Contracting ltd.

h o m e b u y e r s ’ h e l p

by Shane’S LandScaping & contracting Ltd.


Call Dennis for a Private Consultation 7 8 0 - 2 2 1 - 3 8 3 8

visit a showhome or website for details macmitch-homes.com

Langdale17133 6B Ave SW780-761-1240

FOXBORO Sherwood Park205 Foxtail Way780-417-1357

GREENBURY Spruce Grove10 Greenbury Blvd780-571-0880

VANDERBILT Spruce Grove85 Spruce Village Drive W780-571-2275

Upper Windermere1505 Wates Place780-757-2605

Edmonton’s Desig�er AddressUpper Winder�ere

Final Lots remaining1900- 2450 sq ft homes $480’s - $560’s

Langdale in Winder�ere Quick possessions Available1500-2300 sq ft homes $390’s – 500’s

You’re ready tomake your move

• Convenient appointment, day or night,home or offi ce

• Competitive rates on a wide selection ofmortgages

For convenient mortgage service, contact:

Nancy Bruno-Romeo

Mobile Mortgage Specialist

Tel.: 780-973-8892 Cell: 780-908-7183 [email protected]

Mortgage Expertise at Your Doorstep 24/7® Registered trade-mark of Bank of Montreal.

74_BMO_20/13

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• Convenient appointment, day or night,home or offi ce

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For convenient mortgage service, contact:

Nancy Bruno-Romeo

Mobile Mortgage Specialist

Tel.: 780-973-8892 Cell: 780-908-7183 [email protected]

Mortgage Expertise at Your Doorstep 24/7® Registered trade-mark of Bank of Montreal.

74_BMO_20/13

What’s next for you?

DEC 21, 2012 - JAN 18, 2013 | NEW HOME GUIDE 21

i n t h e n e w s

The Estatesat Waters EdgeRECREATIONAL LAKEFRONT PROPERTY HAS LONG BEEN THOUGHTof as a summer treat. You choose a weekend in May or June to open up your cottage and try to squeeze in as much time there before the leaves and the snow fall.

There is, however, a new development in Alberta that offers year-round lakeside living. Whether you’re looking for a weekend retreat or permanent residence, The Estates at Waters Edge, located 45 minutes west of Edmonton at Lac St. Anne, is a Lake Front community of single-family homes. This secure, gated development is situated on a half-mile of south-facing lakeshore.

Summer includes boating, water sports, � shing, walking and biking along the numerous pathways, enjoying barbecues on the deck and watching a beachfront sunset, or visiting one of the various golf courses in proximity.

Winter brings a whole new list of outdoor activities, including snowmobil-ing, cross-country skiing, snowshoeing, great ice � shing, skating and warming up at the � re pits. The Estates at Waters Edge has an outdoor NHL-sized ice rink, complete with skate change and warm-up rink side facility for skaters and hockey enthusiasts. Waters Edge is a four-season community development with activities year-round.

On-site a private boat launch and maintained marina is included for your carefree boating enjoyment. For social gatherings, a clubhouse, including a kitchen, dining area and games room, can accommodate small groups and large, community events. The clubhouse is great for getting everyone to-gether for a private function or community social gatherings.

Residents can also enjoy the beachfront recreation area, children’s playground, on-site walking/cross-country ski trails and future development includes a � tness centre, hot tub and outdoor swimming pool to complement existing amenities.

The project’s popularity to date has been attributed to the overall hassle free concept of the Waters Edge experience. Prospective buyers can choose their select lot; as well select their choice and size of Craftsman style residence. Floorplans range from two to four bedrooms and 1,150 to 2,000 sq. ft. All are � nished in the Craftsman style in your choice of colours, which feature fully landscaped yards, paved driveway, parking pad, exposed aggregate sidewalks. Optional garages and additional storage in the secure storage yard on-site for your recreational toys are also available on-site. Additionally, resi-dences come complete with a 10-year Progressive Home Warranty to ensure home construction quality.

Homes are designed so that the living areas take full advantage of the great lake views. Plans can be customized to make the layout and room sizes suit each individuals needs. All designs are done in-house by the Waters Edge Architecture lead design team, so the turnaround time for consultation and � nal design plans is very fast. Most home builders charge a fee with any changes to their plans, while this is part of a service that is provided to an owner who chooses to build with Waters Edge. Owners can also choose to buy the lot and bring their own builder. The proposed design just has to � t within The Estates at Waters Edge architectural and landscaping guidelines.

Upgrades are also available to the homes, including granite countertops, gas � replace, central vac system and a detached or attached garage.

The interiors of these homes come in a variety different high-quality � nishing pack-ages, with energy-ef� cient designs and six low-energy appliances. R-20 insulation is used in the walls and R-40 in the ceilings. Use of high ef� ciency furnaces provides that the homes are built to high ef� ciency standards and save on utilities.

A monthly maintenance fee ensures main-tenance of all the common areas (such as clubhouse, marina, playground, beachfront recreation area and boat launch). The fees also include water, sewage and a full-time on-site manager. There are lawncare and winter snow shoveling services also available.

The area surrounding Waters Edge offers a healthy list of amenities. A convenience store and gas station are a few blocks away. Onoway and Alberta Beach offer retail services includ-ing grocery and liquor stores, restaurants, gas station, public library, hair salon, dollar store, hotel and golf course. Schools are nearby and the Barrhead and Stony Plain hospitals are only 25 to 30 minutes away.

The proximity to Edmonton is a major selling point for The Estates at Waters Edge. A short drive can get you to your lakefront home in no time.

Many of the purchasers, however, are not from the Edmonton area. Residents include people from Peace River, Fort McMurray, Whitecourt and Calgary. They have found The Estates at Waters Edge to be the best value and location for this type of property in Northern Alberta.

Lot prices start in the low $100’s, and two-bedroom residences with a completely landscaped lot start in the low $300’s!

Onsite showhomes are available for immediate possession. Call Mike at 780.405.6378 or 1.877.405.1105 or visit watersedgeestates.ca


Dynamic Lake Front Gated Community with Fully Serviced Lots and Resort Style Amenities

NORTH SHORE • LAC STE. ANNE ONLY 45 MINUTES WEST OF EDMONTON, AB

L A K E S I D E L I V I N G L I K E N E V E R B E F O R E*

HOME W/ LAKEFRONT LOT $460sVIEW LOTS $110sSTARTING FROM THE

LAKEFRONT LOTS $220sHOME W/ VIEW LOT $290sSTARTING FROM THE

STARTING FROM THE

STARTING FROM THE

CHOOSE YOUR LOT AND CUSTOM DESIGNED HOME FOR SPRING 2013 POSSESSION!

[email protected] / 780-405-6378 / www.WatersEdgeEstates.ca

With your support, the Stollery Children’s Hospital Foundation is able to provide life-saving equipment, research that paves the way for new treatments and cures, medical innovations and specialized training, so that every child has the chance to go home again.

DONATE TODAY. STOLLERYKIDS.CA


This article is provided for general information purposes only and does not constitute legal or other professional advice. You are advised to contact a lawyer, your builder, or your warranty program regarding any specific issues.

Taking possession of your new home One Of the first questiOns tO yOur builder is usually, “When do I get to move in?” You usually get to move in to your home on your Possession Date (also re-ferred to as the Closing Date or Completion Date).

WHAT IS THE POSSESSION DATE?Simply put, the Possession Date is the day your home is ready for occupancy, your builder is paid the full purchase price and the keys are turned over to you.

Depending on your purchase contract with your builder, the Possession Date will be a fixed date that you know when you sign your purchase contract or your purchase contract will estimate a Possession Date and then your builder will provide you about 30 to 45 days written notice of the Possession Date.

CAN MY BUILDER CHANGE THE POSSESSION DATE?Your Possession Date could change even if your purchase contract refers to a fixed or estimated Possession Date and even after you have received written notification of the Possession Date. There are usually clauses in purchase contracts that will allow your builder to change the Pos-session Date in the event of circumstances that are beyond the builder’s control, such as weather and the availability

l e g a l a d v i c e

ROSELLINA GIARDINO is an Edmonton lawyer

practicing in the area of residential real estate.

She may be contacted at 780.473.7779 or

[email protected]

by Rosellina GiaRdino

of building materials. I have seen Possession Dates remain as scheduled, delayed for several months and issued sooner than expected. It is important to have open communica-tion with your builder on the progress of construction so you can prepare for any delays and plan the closing and the move-in.

WHAT IF I AM NOT READY TO CLOSE ON THE POSSESSION DATE?It is important that as soon as you receive written notifi-cation of your Possession Date, you notify your lawyer and mortgage lender so they can prepare the necessary paperwork to complete the purchase. If the mortgage lender and lawyers don’t receive sufficient notice of the Possession Date, your mortgage funds may not be advanced in time to pay the builder the full purchase price due on the Possession Date – that is, “close” the transaction.

Some builders won’t give you the keys to your new home until they have been paid in full. Others, in some circumstances, may allow you to move in on the Posses-sion Date even if they haven’t been paid in full. If you don’t pay the builder in full on the Possession Date set by them, you may also be required to pay the builder interest on the balance owing until it is paid in full. This interest cost can add up quickly.

WHAT HAPPENS ON MY POSSESSION DATE?Your lawyer will, among other things, pay the balance of the purchase price owing to the builder’s lawyer, who in turn will authorize keys to your new home to be released to you. You will usually receive the keys from your builder or realtor. When you receive the keys, you will do a final walk-through of the home, inspecting both the exterior and interior, to note any deficiencies. Your builder will usually rectify these deficiencies soon after the Possession Date.

If you’re buying a new home, the Possession Date can often change from what is originally estimated, due to factors that are outside your builder’s control. Plan for any changes, including your living arrangements and financ-ing requirements. Don’t be afraid to communicate with your builder throughout construction -your builder is there to answer your questions and make your experience as stress free as possible.


Thinking AboutBuying a Home?

The decision is easy -make it a brandnew home.

Professional home builders have takenchoice, quality and customer serviceto new heights. Today’s new homes offermore than you ever dreamed of.

1. Designs that delightThe possibilities are endless, no matterwhat style, layout and features you arelooking for.

2. Quality behind the wallsWhat you don’t see is just as importantas what you do see. State-of-the-artconstruction, systems and products offerunparalleled comfort and performance.

3. Finishes with flairYou choose them, from flooring to countersto kitchen cabinets and more. Create yourown interior design, with expert assistancefrom your builder.

4. Light and brightOpen, airy, designs and lots of windows fillyour home with natural light year-round.Good for plants and great for the soul.

5. Health and well-beingSolid construction, ventilation and “clean-air” products mean better indoor airquality, and that’s better for you and yourfamily.

6. Energy efficiencyEnjoy home comfort, energy savings and acleaner environment. A winning situationfor everyone.

7. Brand-name productsYou want everything in your home to betrouble-free, dependable and backed byguarantees. With brand-name products,you can count on it.

8. Wired and connectedGet plugged in for work, play, convenienceand security. It’s easy in a brand newhome.

9. Hassle-free livingMaintenance-free products and state of theart new home technology take the stressout of everyday living.

10. Warranty and serviceOnly a brand new home comes with awarranty and a builder’s service teamready to deal with any concerns. That’speace of mind

When you add it all up, there is simplyno place likea brandnew home.

Thinking About Buying(18/12)-/ja

dec 21, 2012 - jan 18, 2013 | New home Guide 25

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Get involved with Sage!

26

8

109

St.

127 Ave.

132 Ave.

118 Ave.

111 Ave.

137 Ave.

167 Ave.

139

St.

153 Ave.

162 Ave.

124

St.

142

St.

149

St.

156

St.

170

St.

184

St.

127

St.

121

St.

135

St.

97 S

t.

Kingsway Ave.

St. Albert Trail

113A

St.

171 Ave.

195 Ave.

176 Ave.

Yellowhead Trail

112

St.

To Spruce Grove& Stony Plain

Hw

y 44

Ray

Gib

bon

Dr.

215

St. (

Win

terb

urn

Rd.)

Ant

hony

Hen

day

Dr.

To St. Albert

Gro

at R

d.

2

6

9

1 10

7

4

Mark Messier TrailAnt

hony

Hen

day D

r.

5 12

3

11

northwest

4 VILLAGE AT GRIESBACHDEVELOPER: Canada Lands BUILDERS: Homes by AVI, Dream Homes by Krisner, Coventry Homes, Landmark Legacy Homes, Greenboro Homes, Pacesetter Homes, Abbey Lane Homes, Christenson Developments LOCATION: 137 Avenue North On97 Street West on Griesbach Road

5 TRUMPETER BY BIG LAKEDEVELOPER: United CommunitiesBUILDERS: Estate Homes- Fekete Homes,Montorio HomesClassic Homes- Homes by Avi, Sabal Homes, Montorio Homes, Sterling HomesDuplex- Rohit Communities, Homes by Avi.Townhomes- Rohit Communities. LOCATION: North on Anthony Henday Drive, West at 137th Ave. and 199 St.

1 CASTLEBROOK MEADOWSDEVELOPER: Concept RealtyBUILDERS: Concept HomesLOCATION: 179 Ave. & 104 St.

2 CASTLEBROOKDEVELOPER: Canterra Developments Corp.BUILDERS: Open, Urbanity HomesLOCATION: 110 St. & 176 Ave.

3 HAWKS RIDGE AT BIG LAKEDEVELOPER: Walton Development and Managment L.PBUILDERS: Sabal Homes, Montorio Homes, Morrison Homes, Reid Built HomesLOCATION: North of Yellowhead Trail on 215 Street

6 NEWCASTLEDEVELOPER: Qualico CommunitiesBUILDERS: Sterling Homes, Pacesetter Homes, Coventry Homes, Reid Built Homes, SHOWHOMES NOW OPENLOCATION: North of 167 Avenue & East of 127th Street

7 MORNINGSIDEDEVELOPER: Reid Worldwide CorporationBUILDERS: Fekete Homes, Rococo Homes LOCATION: backing onto Lois Hole Provincial Park at Big Lake

8 TUSCANY HILLS & UPPER TUSCANYDEVELOPER: United CommunitiesBUILDERS: Pompei Homes, Aacropolis Homes, Signature Homes by ParkwoodLOCATION: North corner of 127th Street & 195 Avenue

9 PALISADESDEVELOPER: MLC GroupBUILDERS: Bedrock Homes, Landmark Communities, Landmark Homes, Landmark LegacyLOCATION: South of 167th Avenue & East of 139 Street

10 LEGACY POINTEDEVELOPER: Concept RealtyBUILDERS: Concept Homes Master BuilderLOCATION: 18230 - 104A Ave.t

11 LEGENDS ESTATESDEVELOPER: Kingsgate Homes Legends Estates Ltd.BUILDERS: Kingsgate Homes, openLOCATION: Highway 16 & Highway 44

12 STARLING AT BIG LAKEDEVELOPER: Rohit Land DevelopmentBUILDERS: Celebration Homes, Kirkland Homes, Green Living Homes, Rohit CommunitiesLOCATION: North on Anthony Henday Drive, take Ray Gibbons Drive, left on 137 Ave

27

Balanced Living at its Best

Build Your Nest Here. StarlingAtBigLake.com

Adjacent to Big Lake and the Lois Hole Provincial Park, Edmonton’s most desirable northwest neighbourhood offers an ideal balance of convenient city living and natural outdoor life.

Neighbourhood Amenities include:

• 3km of multi-use trails• Over 12 acres of the development dedicated to green

space with all homes within 200 meters of open space!• A lookout gazebo overlooking the park, pond

and natural areas• A teaching dock to facilitate interaction

with nature for children and adults alike• Located in Edmonton, but minutes from St.Albert

N

Ant

hony

Hen

day

Ray

Gib

bon

Dr

215

St21

5 St

231

St

184

St

199

St

170

St

137 Ave

118a Ave

GlendaleGolf &

County Club

Visit the showhomes at 137 Ave & Ray Gibbon Drive

Live surrounded by nature with all the amenities of the city just minutes away!

KIRKLAND HOMES MASTER BUILDERKirkland Homes Master Builder in Starling has a large

inventory of affordable lots, offering well-built homes starting

in the $450,000’s. With access to larger ravine lots and our

wide selection of home styles and sizes—including two four-

bedroom models—Kirkland Homes has a home to meet

your family’s needs. In addition, Kirkland Homes currently

has a selection of homes available for immediate occupancy for the

customer who does not want to wait for his or her home to be built.

Kirkland Homes Master Builder opened its doors in

the Edmonton area in 2009. Having worked as a senior

executive in the homebuilding industry since 2000, Kent

Kirkland decided he wanted to take his customer service

oriented approach to home building and apply it in a more

personal way. Since that time, Kirkland Homes has offered

homebuyers superior built homes and outstanding customer

service—all at a reasonable cost.

GREEN LIVING HOMES Green Living Homes in Starling offers many lots dedicated

to walk-out basements and most home plans have a front

verandah. In addition, homes can be customized to the

buyer’s specifications and individual taste while respecting the

environment and the buyer’s budget. All homes are developed

to BuiltGreen standards. Green Living Homes is the perfect

fit in Starling at Big Lake, where every effort has been made to

honour and conserve the environment.

Green Living Homes builds creative, beautiful, eco-friendly,

energy-efficient and functional homes that improve the quality

of life for individuals and families. The team has over thirty

years of experience developing housing projects that are one-

of-a-kind designs loaded with architectural impact and a keen eye

for the details. The philosophy is simple and is reflected in the

company’s work ethic: socially responsible building practices.

CELEBRATION HOMES With 11 remarkable, walk-out ravine lots, Celebration

Homes is poised to make the home buyer’s dream of living

alongside nature a reality. At half the price of other ravine lots,

Celebration’s Starling at Big Lake Ravine Collection is the

most affordable ravine living in Edmonton. For buyers looking

for a family home or empty nester bungalow, home and lot

combinations start in the mid $600,000’s. Compared to

The Home Builders of Starlingother subdivisions with just regular interior lots, Celebration’s

Starling Ravine Collection offers fantastic value. Visit the

stunning Starling at Big Lake showhome and take a stroll

through the ravine trails for a taste of the Celebration Home

lifestyle in this sensational community.

Celebration Homes’ mission is to provide the best possible

home building experience. Legendary customer service and

talent for distinguished design are the hallmarks of Celebration

Homes. With over 20 years of experience building homes in

Edmonton, Celebration has a level of skill and craft to work

with the home buyer to custom design and build the home of

their dreams.

ROHIT COMMUNITES Whether you are downsizing or just starting out, Rohit

Communities has two and three bedroom duplexes starting in

the mid $330,000’s. A hot housing choice in Starling at Big

Lake, Rohit will be pre-selling more duplexes in 2013 with

double-attached and detached garages. For the family that has

it all and needs space for it, Rohit’s single family Heathrow

may be an ideal option. At 2150 square-feet and featuring a

three car garage, it’s the perfect fit. And, so is the price, starting

in the $470,000 range.

Rohit Communities is committed to building innovation

and continuous improvement. With a constant evolution in

its new home models, Rohit is known in the industry for the

efficient use of space and attention to exterior finishing. The

company has received numerous industry awards at the local,

provincial and national levels, including 2010 Edmonton Home

Builder of the Year and 2011 Multi Family Builder of the Year.

28

Balanced Living at its Best

Build Your Nest Here. StarlingAtBigLake.com

Adjacent to Big Lake and the Lois Hole Provincial Park, Edmonton’s most desirable northwest neighbourhood offers an ideal balance of convenient city living and natural outdoor life.

Neighbourhood Amenities include:

• 3km of multi-use trails• Over 12 acres of the development dedicated to green

space with all homes within 200 meters of open space!• A lookout gazebo overlooking the park, pond

and natural areas• A teaching dock to facilitate interaction

with nature for children and adults alike• Located in Edmonton, but minutes from St.Albert

N

Ant

hony

Hen

day

Ray

Gib

bon

Dr

215

St21

5 St

231

St

184

St

199

St

170

St

137 Ave

118a Ave

GlendaleGolf &

County Club

Visit the showhomes at 137 Ave & Ray Gibbon Drive

Live surrounded by nature with all the amenities of the city just minutes away!

KIRKLAND HOMES MASTER BUILDERKirkland Homes Master Builder in Starling has a large

inventory of affordable lots, offering well-built homes starting

in the $450,000’s. With access to larger ravine lots and our

wide selection of home styles and sizes—including two four-

bedroom models—Kirkland Homes has a home to meet

your family’s needs. In addition, Kirkland Homes currently

has a selection of homes available for immediate occupancy for the

customer who does not want to wait for his or her home to be built.

Kirkland Homes Master Builder opened its doors in

the Edmonton area in 2009. Having worked as a senior

executive in the homebuilding industry since 2000, Kent

Kirkland decided he wanted to take his customer service

oriented approach to home building and apply it in a more

personal way. Since that time, Kirkland Homes has offered

homebuyers superior built homes and outstanding customer

service—all at a reasonable cost.

GREEN LIVING HOMES Green Living Homes in Starling offers many lots dedicated

to walk-out basements and most home plans have a front

verandah. In addition, homes can be customized to the

buyer’s specifications and individual taste while respecting the

environment and the buyer’s budget. All homes are developed

to BuiltGreen standards. Green Living Homes is the perfect

fit in Starling at Big Lake, where every effort has been made to

honour and conserve the environment.

Green Living Homes builds creative, beautiful, eco-friendly,

energy-efficient and functional homes that improve the quality

of life for individuals and families. The team has over thirty

years of experience developing housing projects that are one-

of-a-kind designs loaded with architectural impact and a keen eye

for the details. The philosophy is simple and is reflected in the

company’s work ethic: socially responsible building practices.

CELEBRATION HOMES With 11 remarkable, walk-out ravine lots, Celebration

Homes is poised to make the home buyer’s dream of living

alongside nature a reality. At half the price of other ravine lots,

Celebration’s Starling at Big Lake Ravine Collection is the

most affordable ravine living in Edmonton. For buyers looking

for a family home or empty nester bungalow, home and lot

combinations start in the mid $600,000’s. Compared to

The Home Builders of Starlingother subdivisions with just regular interior lots, Celebration’s

Starling Ravine Collection offers fantastic value. Visit the

stunning Starling at Big Lake showhome and take a stroll

through the ravine trails for a taste of the Celebration Home

lifestyle in this sensational community.

Celebration Homes’ mission is to provide the best possible

home building experience. Legendary customer service and

talent for distinguished design are the hallmarks of Celebration

Homes. With over 20 years of experience building homes in

Edmonton, Celebration has a level of skill and craft to work

with the home buyer to custom design and build the home of

their dreams.

ROHIT COMMUNITES Whether you are downsizing or just starting out, Rohit

Communities has two and three bedroom duplexes starting in

the mid $330,000’s. A hot housing choice in Starling at Big

Lake, Rohit will be pre-selling more duplexes in 2013 with

double-attached and detached garages. For the family that has

it all and needs space for it, Rohit’s single family Heathrow

may be an ideal option. At 2150 square-feet and featuring a

three car garage, it’s the perfect fit. And, so is the price, starting

in the $470,000 range.

Rohit Communities is committed to building innovation

and continuous improvement. With a constant evolution in

its new home models, Rohit is known in the industry for the

efficient use of space and attention to exterior finishing. The

company has received numerous industry awards at the local,

provincial and national levels, including 2010 Edmonton Home

Builder of the Year and 2011 Multi Family Builder of the Year.

29

i n t h e n e w s

2012 CHBA

National SAM

Award finalists

announcedThe Canadian home Builders’ Association (CHBA) is pleased to announce the finalists for the 2012 CHBA National SAM Awards, presented by Schlage and Trane.

These prestigious awards celebrate excellence in new homes, home renovation, innovative technology and construction, outstanding presentation and marketing across Canada. Twenty-three CHBA National SAM Awards will be presented at the Association’s 70th National Conference on March 8, 2013 in Lake Louise, Alta.

Commenting on the CHBA National SAM Award finalists, CHBA President Ron Olson, noted that, “This year’s SAM Award theme – Awe – speaks to the ingenuity, imagination and creativeness that drives new home builders, renovators and developers to build homes and communities that are truly awe-inspiring. We take great pride in the achievements of our 2012 SAM Finalists.”

CHBA National SAM Awards are presented for projects of varying sizes in the following categories: New Home Awards (eight in total); Home Renovation Awards (five in total); and Marketing Awards (six in total).

In addition, single National SAM Awards are presented for Marketing Excellence; Green Home; Community Development; and the Grand SAM which recognizes the new home builder who demonstrates the highest level of excellence in both building and marketing.

Congratulations to the following Edmonton home builders:

SINGLE DETACHED HOME UNDER 1,500 SQUARE FEET à Homes by Avi - Edmonton, Sherwood Park: “The Jacob Darcy Dixon in Maple Crest”à Sterling Homes (Edmonton) Ltd., Edmonton: “Belvedere”

SINGLE DETACHED HOME OVER 2,200 SQUARE FEET à White Eagle Homes Ltd., Edmonton: “The Blue Diamond, Allard Estates”

MULTI-FAMILY PROJECT à Rohit Group of Companies, Edmonton: “Essex at Callaghan Ravines”

GREEN HOME AWARD à Effect Home Builders Ltd., Edmontonà Landmark Group of Builders, Edmonton

BEST WEBSITE à Celebration Homes Inc., Edmonton

For a complete listing of all the CHBA National SAM Award finalists, in each category, please visit chba.ca


TO EDMONTON

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.NORTHWEST

Okay, you’ve done your research and finally found that perfect home or condo. You’re feeling nervous. Is this the right home for me? Can I afford this? What if (fill in the blank with your basic insecurity here)? Dozens of questions fly through your mind incessantly making it all seem a bit overwhelming. Time to step back and chill. Yes, you are making a big decision and yes the fun is over for a while - it’s new time to negotiate the best deal you can for the property so get ready to rumble. The art of negotiation is extremely important in real estate.

Every transaction is unique and every deal has very different dynamics whether it’s a new home or a resale home. You have different buyer and seller motivations, business structures, sales processes and management styles – and you are largely on your own. So, remember one very important rule – the upside of your future return on the property you are about to buy will be largely determined by how you negotiate the deal NOW. Of course the vendor wants a full price cash deal. You on the other hand have lots of complications that form part of this transaction. There could be conditions on the deal you need, availability of financing and the amount, terms of financing, possession dates, inspections. Lots to consider. This is where your homework will pay off.

A real estate deal is predicated on one of two things – motivation of the seller or motivation of the buyer. As a buyer understand there is always another piece of real estate and another seller. You must set your conditions in stone and stick to your guns, regardless of how hard that may be when you think you’ve found the perfect home and investment. Try to understand the vendor’s motivations. Is it a builder with too much inventory? How’s the market doing? Understand your leverage in the transaction and build leverage through “slow” pragmatic examination of the product. Remember, when you’re the buyer – there is no deal without your money, so the ball is always in your court.

Here are some rules I’ve found work well in most real estate negotiations:

Set your parameters in stone with a thorough understanding of pro’s and con’s of the transaction. Everything that can be quantified in dollars do it so you are clear of the true transaction costs as that impacts what you should pay for the property.

ASK for everything you want. If forced to concede on something than get something else in return, no matter how small.

Use appraisals and information to build a reasoned “value” for the property – the price is just what the vendor WANTS, it does not mean it’s what the property is worth.

Know how much time you need to negotiate and use it. The deal does not go anywhere without you. Time is a great ally in a real estate deal. Let it work for you. Walking away and coming back is just fine. There is always another property.

Have clear in your mind absolute DEAL BREAKERS and stick to them.

Find out everything you can about the seller and their current position.

Negotiate fairly with reasoned terms to maintain creditable with parties.

Evaluate counter offers and listen for details to determine next steps.

Try to meet with the seller often in the negotiations to establish commitment to both your best interests.

Unlike the NHL negotiations, the optimal outcome for everyone is a WIN – WIN situation so try to be respectful of this timeless axiom.

A lot of the above requires you get and evaluate many facts and details, organize a purchase plan that’s financially based (not emotional) and then stick to it. That can be hard and the worst feeling in the world will be walking away from a failed negotiation when you think you have found the perfect property, but trust me there’s no better feeling than getting a deal on your terms and profiting from it handsomely in the future. Wait for that deal. There is always another property and another seller to deal with.

Now get out and negotiate that perfect deal in 2013.

withJim Malner

market marts A Great Deal For 2013

Jim Malner is President of Consumer Strategies Group (CSG), Alberta’s longest serving, professional,real estate marketing consultancy with offices in Edmonton, Calgary and Vancouver.

Follow CSG on Facebook or Twitter for regular real estate opportunities and updates. All of Jim’s columns are posted on CSG’s blog at marketsmarts.net.

So, remember one very important rule – the upside of your future return on the

property you are about to buy will be largely determined by how you negotiate

the deal NOW.


Half acre lots close to the city with full city services, reasonable taxes and more!The rolling terrain and elevation of our new phase has created some remarkable lots. Contact us today to reserve your lot.

780.421.7272265

NORTHWEST

33

One Of my new years resOlutiOns is tO be mOre Organized. Solid organization skills helps to calm you and helps you to

stay focused. Here are some ideas to utilize built-ins, furnishings, accessories to

not only make your home beautiful, but functional as well. Happy New Year!

34

getting organized…

#1: ClOset Organizers:

From custom to DIY kits there

are plenty of choices out

there at a price point to fit

everyone’s pocket book. My

number one pick in getting

organized.

#2: mud-laundry rOOms:

The market dictates what

is hot and what is not,

and today mudrooms and

laundry rooms are critical

on the “must have” list

to design well. As one of

the highest traffic areas in

your home, pay attention

to your design plan and

make these rooms really

function for your family.

35

Getting organized…

#3: Built-ins:

I realize we can’t always afford

built-in cabinets, but it is the best

way I know how to maximize

storage and elevate the design of

your home.

Always a good investment –

always an amazing end result.

#4: unused space:

Think outside the box. It’s

amazing what you can do with

a long narrow space, here’s

an old storage area now a

very functional office space.

Fabulous!

#5: pantry:

Can’t have a walk-through

pantry? No problem! This

pantry was converted from

a regular closet. Work with

what you’ve got and creatively

solve the problem. Fantastic!

#7: Furniture:

Make your furniture

work for you.

Look at furniture

two ways – how

it works for the

design aesthetic,

and how it will

function for you.

This unit is cleverly

organizing china,

cutlery and linens.

#6: cool GadGets & cuBBies:

Drawer separators from

Ikea.ca. Many sizes,

shapes to choose from

and can easily be added

to any drawer in your

home. Shop Ikea.ca for

lots of organizational

ideas, best place to

stay on budget for your

organization project.

82 S

t.

97 S

t.

66 S

t.

50 S

t.

167 Ave.

137 Ave.

132 Ave.

34 S

t.

151 Ave.

153 Ave.

144 Ave.

20 S

t.

129 Ave.Yellowhead Trail

Fort

Rd.

144 Ave.

137 Ave.

Vict

oria

Tr.

Bon AccordGibbons

To Fort Saskatchewan

Hermitage

1 St

.

167 Ave.

Manni

ng F

wy.

118 Ave.

6

1

4

3

2

Hooke Rd

5

northeast

4 Brintnell Developer: Qualico Communities BuilDers: Pacesetter Homes, Daytona Homes Master Builder location: 163 Avenue & 41 Street

5 village at schonsee Developer: Bedrock Homes BuilDer: Bedrock Homes location: 5495 & 5497 Schonsee Drive

6 MccONAcHIE Developer: Walton Development and Managment L.P BuilDers: Jayman MasterBuiLt, innovations by Jayman, Sabal Homes, Morrison Homes, Royal West Homes, Carlisle Group location: 167 Avenue and McConachie Way

1 lakeview Developer: Genstar Development Co. BuilDers: Landmark Legacy, Park Royal Homes, Landmark Homes location: 175 Avenue at 87 Street

2 central Park at clareview caMPUs Developer: Alldritt Development Ltd. BuilDer: Alldritt Homes location: 144 Avenue & 36 Street

3 MccONAcHIE LANDING Developer: MLC Group/Cameron Communities BuilDers: Lenaco Homes, Cameron Homes, Reid Built Homes location: North of 167 Avenue & East of 50th Street

37

EDMONTON’S MOST COMPREHENSIVE “BUILDER AND DEVELOPER GUIDE” GET TO KNOW EDMONTON’S DEVELOPERS AND BUILDERS ONE STORY AT A TIME

• Large Format

• Industry Insights by Home Building Leaders

• Detailed Home Builder Stories

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Presented by the publishers of

2013Edmonton’s Builders, Developers and Communities– One Story at a Time

BUILDER & DEVELOPER

Finding the RIGHT COMMUNITY for your new home or condo is easier than ever.Pick up your copy of our editorial-based builder and developer profi le magazine FREE AT OVER 700 LOCATIONS with the New Home Guide and New Condo Guide.

Coming soonOctober 2012

Brought to you by the Publishers of

Watch for it!

42 New home Guide | oct 26 - nov 23, 201256 New home Guide | nov 23 - dec 21, 201238 New home Guide | dec 21, 2012 - jan 18, 2013

southeast

4 LAUREL DEVELOPER: Dundee Developments BUILDERS: Coventry Homes, Greenboro Homes, Landmark Homes, Homes by AVI, Landmark Legacy Homes, Lincolnberg Homes, Landmark CommunitiesLOCATION: South of 23 Avenue and East of 34 Street

5 LAUREL CROSSING DEVELOPER: Qualico CommunitiesBUILDERS: Pacesetter Homes, Sterling Homes, Landmark Homes, Tristate Signature Homes, Sterling Squared, Bedrock HomesSHOWHOMES ARE NOW OPENLOCATION:34 Street & 16A Avenue

1 MAPLERIDGE & OAKRIDGE COMMUNITIESDEVELOPER: Maple Ridge & Oak Ridge CommunitiesBUILDERS: Country Hills HomesLOCATION: 17 Street between Sherwood Park Freeway and Whitemud Drive

2 SPRINGSIDE INTHE MEADOWSDEVELOPER: Qualico CommunitiesBUILDERS: Sterling HomesLOCATION: 23 Avenue & 32nd Street

3 TAMARACKDEVELOPER: Dundee DevelopmentsBUILDERS: Landmark Homes, Lincolnberg Homes, Homes by AVI, JDL Homes, Landmark Legacy Homes, Landmark Communities, Coventry HomesLOCATION: From Whitemud go South on 17 Street & follow the signs to Tamarack Gate

6 MAPLE CRESTDEVELOPER: Dundee Developments BUILDERS: Homes by Avi, Coventry Homes, Greenboro Homes, Landmark Homes, Landmark Legacy, Lincolnberg Homes LOCATION: Maple Road (38th Avenue NW) and 8th Street

7 WILLOW HAVENDEVELOPER: CarringtonLandBUILDERS: Bedrock HomesLOCATION: 5624 7th Ave SW.

8 TAMARACK COMMONDEVELOPER: Qualico CommunitiesBUILDERS: Pacesetter Homes, Sterling Homes, & Parkwood Master BuilderSHOWHOMES COMING SOONLOCATION: 17 Street and 23 Avenue, south of Millcreek Nursery

39

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

WAYNE KARL is an award-winning writer and editor with experience in real

estate and business. In Fundamentally Speaking, Wayne explores the basics –

such as economic fundamentals – you need to examine when buying

property. He can be reached at [email protected]

or follow him on Twitt er at Twitt er.com/WayneKarl

by WAYNE KARL

Fundamentallysolid

WE’VE OFTEN DISCUSSED IN FUNDAMENTALLY Speaking and elsewhere in New Home Guide about the importance of doing your research and due diligence when buying a home. One of the best resources

– if you’re a � rst-time or move-up buyer or even an investor – is Canada Mortgage and Housing Corp. (CMHC).

And of all the valuable information and data CMHC produces, none is more educational than its annual housing outlook conferences, currently rolling out across the country, with a stop in Edmonton in late November.

It’s impossible for all homebuyers and homeowners to attend these events, for obvious reasons, and since they are open mostly to those in the industry. But if ever there was an excellent refresher on the fundamentals that determine and support real estate market conditions, and puts it all in perspective, this is it.

HERE IS A SUMMARY OF SOME KEY POINTS:» The economy: CMHC deputy chief economist Mathieu Laberge says the prospects for Canada’s economy are largely positive, despite some global uncertainty. Our economic fundamentals have weakened some, but are expected to remain supportive of housing demand. » Mortgage rates: Mortgage interest rates should remain near historically low levels. For example, a � ve-year mortgage rate in 2012 was 5.25 per cent, and may climb to about 5.5 per cent in 2013 – still near a 60-year low. » Household debt: Household debt, cited as a concern by the Bank of Canada, federal � nance ministry and others over the last two years, remains a concern. Elevated levels of household debt and house prices in some urban markets have made Canada’s economy more vulnerable to some economic shocks. “Not that we see a shock coming – we don’t,” says Laberge.» Housing starts: Housing starts, an important indicator of growth and health of the housing sector, may dip 9.4 per cent in 2013 (mostly in multi-family homes) to about 194,000. Importantly, however, this follows a 10.2-per-cent surge to 213,700 in 2012 – when CMHC actually projected starts would range from only 161,650 to 206,350 units.» Employment and immigration: As the leading indicator of housing demand, employment levels will continue to support the housing market,

with growth of 1.9 per cent forecast for 2013, following 1.1 per cent in 2012. Similarly, immigration – as better prospects for employment here attract “new Canadians”

– which � rst supports the rental market and eventually homeownership, is expected to maintain in 2013.» Edmonton market: So, what does all this mean for Edmonton? Despite some short-term challenges, employment and population growth will continue to support the Edmonton housing market, CMHC says.

Edmonton housing starts are forecast to increase 29 per cent to 12,000 units for 2012 before moderating slightly to 10,800 units in 2013. “Supported by low mortgage rates, robust job growth, and continued gains in net migration, new home starts in Edmonton will increase in 2012,” says David Lan, CMHC’s senior market analyst for Edmonton.» Edmonton opportunities: Heightened net migration and strong job creation, coupled with low mortgage rates, will see MLS sales in Edmonton increase by six per cent for 2012 to 18,000 units. Sales in 2013 are expected to trend upward, but at a slower pace to 18,500 units

So, given the overall challenges in Canada and elsewhere, the outlook at a glance may not appear spectacular. But looking at the big picture and long term, the important determining factors are – fundamentally solid.


southwest

1 AMBLESIDE IN WINDERMEREDEVELOPER: Windermere Lands Ltd., Windermere Ambleside Ltd.BUILDERS: Marcson Homes, Bedrock Homes, Kimberley Homes, Homes by Avi, Kanvi HomesLOCATION: Terwillegar Drive and Anthony Henday Drive

2 LANGDALE IN WINDERMEREDEVELOPER: Qualico CommunitiesBUILDERS: Coventry Homes, MacLachlan & Mitchell Homes, Pacesetter Homes, Sterling Homes, Sterling Squared, Rohit CommunitiesLOCATION: 170 St & 7th Ave. S.W.

3 MACTAGGART MAINSDEVELOPER: Melcor Developments Ltd.BUILDERS: Kimberley Homes, Parkwood Master Builder, Western Living Homes, Homes by Managen,LOCATION: On East side of 142 St., South of 23 Ave.

4 MAGRATHDEVELOPER: Terwillegar Pointe CommunitiesSUMMIT - BUILDERS: Ace Lange Homes, Birkholz Homes, Perry Built Homes Inc., Carriage Custom Homes, Homes by Avi

MANORS - BUILDERS: Hillview Homes, Homes by AVI, Landmark HomesLOCATION: South of 23 Ave. & East of 142 St.

5 GLENRIDDINGDeveloper: UnitedCommunitiesBuilders: RSL - Homesby Avi, Pacesetter, Parkwood Homes, Landmark Homes. RPL - Pacesetter, Landmark Legacy Homes, Rohit Communities. Duplex Homes (front attached Garages) - Parkwood Homes, Landmark Legacy. Duplex Homes (rear attached garages) - Homes by Avi, Rohit Communities.LOCATION: 156 Street & Ellerslie Road

6 THE UPLANDS OF MACTAGGARTDEVELOPER: Maclab Enterprises BUILDERS: Birkholz Homes, Fekete Homes, Homes by Avi, Classic Landmarks Master BuilderLOCATION: On East side of 142 St., South of 23 Ave.

7 UPPER WINDERMEREDEVELOPER: Beaverbrook DevelopmentsBUILDERS: Ace Lange Homes, Homes by Managen, Montorio Homes, Dolce Vita Homes, Artisan Homes, Carriage Signature Homes, Sunny Valley Homes, Westbrook Homes, MacLachlan & Mitchell Homes, OpenLOCATION: Windermere Blvd. West of 170 St.

156

St.

8 WINDERMERE NORTHDEVELOPER: Windermere Lands Ltd. BUILDERS: Landmark Homes, Bedrock Homes, Kanvi Homes, Landmark Classic Homes, Hillview Homes, Lincolnberg CommunitiesLOCATION: Terwillegar Drive and Anthony Henday Drive

9 RIVERPOINTE AT WINDERMEREDEVELOPER: VIP Development Group. BUILDERS: OpenLOCATION: North of 9th Ave. and 170 St.

10 WINDERMERE RIDGEDEVELOPER: Beaverbrook Developments. BUILDERS:Cami Custom Homes, Marco Antonio Homes, OpenLOCATION: Windermere Blvd., West of 170 St.

11 LARCH PARKDEVELOPER: Melcor DevelopmentsBUILDERS: Ace Lange Homes, BirkholzHomes, Carriage Signature Homes, Landmark Classic Homes, Habitat Studio, Perry Signature Homes Inc.LOCATION: next to Whitemud Creek Ravine

12 CREEKWOOD CHAPPELLE DEVELOPER: Delcon CreekwoodBUILDERS: Alldritt Homes, Artisan Homes, Marcson Homes, Bedrock Homes, Homes by Avi, Kimberley Homes, Landmark Homes, Landmark Communities, ReidBuilt Homes, Landmark Legacy Homes, Rohit CommunitiesLOCATION: South of Ellerslie Road & West of 141 Street

13 WINDERMERE SOUTH DEVELOPER: Windermere Lands Ltd.BUILDERS: Dolce Vita Homes, Bedrock Homes, Thomsen Built, Kimberley Homes, Daytona Homes Master BuilderLOCATION: 170th Street & Ellerslie Road

14 CHAPPELLE GARDENSDEVELOPER: Brookfield Residential BUILDERS: Lincolnberg Homes, Daytona Homes Master Builder, Look Homes Master Builder, Homes By Avi, Maple Isle Homes, Brookfield Homes.LOCATION: South of Ellerslie Road & West of 141 Street.

15. ONE AT WINDERMEREDEVELOPER: Beaverbrook DevelopmentsBUILDERS: Bedrock Homes, Dolce Vita Homes, Western Living HomesLOCATION: Winderemere Blvd. West of 170 Street

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Finalists Announced in 2012 CHBA National

Sales & Marketing Awards

Creekwood Chappelle answers the BIG question homeowners ask: Can I have the beautiful, functional and energy efficient home I want and still stay on budget? The answer is a resounding, yes!

Creekwood Chappelle is the first to introduce balanced energy homes. Homeowners can now choose from the wide selection of award-winning builders that, working in conjunction with the energy specialists, Igloo Homes, create a balanced energy house.

These homes “demonstrate how a house can produce as much energy as it uses through enhanced insulation, solar power and an energy recovery ventilation system,” says Ryan Powell, Igloo Homes. An absolute must see is the Balanced Energy Demonstration Home. This budget-friendly model demonstrates the efficiency and simplicity of affordable balanced energy in everyday living while still luxurious.

By reducing the amount of energy used, while at the same time generating its own supply, a balance energy home is incredibly sustainable. The amount spent on building the home is offset by money saved not paying utilities. So much so, banks are now looking at this savings in setting up mortgages. Utilities fluctuate but the building cost is fixed, thus balancing your budget and providing excellent resale value. The affordable solar power, tight building envelope and extremely efficient HVAC, energy recovery and lighting systems will reduce energy usage and actually produce energy.

The Balanced Energy Demonstration Home has no furnace, huge windows, warm floors, no gas lines and insulation enveloping

First in balanced energy homes and balanced budgets

the entire house including below ground – R45 insulation in walls and R80 in the attic. The air is exchanged 100 times per hour through the ERV (energy recovery ventilator) and Merv12 filtration system providing very clean air – perfect for those with allergies or breathing issues.

This incredibly efficient home fits right into the community’s tasteful architectural designs and is simple to run. Chose any or all of the many energy saving/producing concepts and Igloo Homes will work with the builder of the client’s choice to create the home they desire and can afford. Located south of Ellerslie Road on 141st Street at Chappelle Drive, the family-oriented community offers homebuyers a wide variety of residences, from front-attached homes, semi-detached and townhouses.

This delightfully secluded community provides families with convenient shopping and recreational amenities, access to the Anthony Henday, as well as, transit service to the LRT. Creekwood Chappelle is a distinctive, affordable and sustainable community – ample greenspace with ravines, trees, parks and walkways to enjoy nature, a developing bird sanctuary it is simply, a great place to call home... with a balanced budget and balanced lifestyle.

Visit Creekwood ChappelleBalanced Energy Demonstration Home3567 Claxton Cres. Take 141 Street south from Ellerslie Road

Creekwood Chapelle


*with two new playgrounds for twice the fun!

CreekwoodChappelle.com

LifeInCreekwood@LifeInCreekwood

Showhome Hours: Mon-Thurs, 2–8 pmSat-Sun, 12–5 pm

So much nature to explore*

28 Ave

Homes from the low $300s

SOUTHWEST


This is a question I hear quite often. The answer might surprise you. I hear people say it can cost 10–20% more to build a green home—that’s $30,000–$60,000 on an average Edmonton home. What if I said that was a gross exaggeration? I’ll share with you five things that will improve your home’s performance substantially, for a fraction of the cost you’d expect.

First is air sealing the home. Many new homes in Alberta aren’t built as tightly as they could be. The company I work for changed sealing techniques with our trade partners a number of years ago. By paying attention to this, we reduced outside air infiltration by over 40%.

As the building envelope was improved, we had to ensure fresh air was still coming into the home. This was done with a Heat Recovery Ventilator (HRV). An HRV removes stale air from your home and exchanges it for fresh air from outside. While doing this, the heat from the outgoing air is transferred to the incoming air.

Windows are the next improvement to make. A triple pane window with a low-e coating & argon fill is a great overall performing window. It provides superior R-value and still allows the free heat from the sun in winter. As a side benefit, you’ll hear less noise from outside with these windows as well.

A high efficiency (over 90%) hot water appliance will improve your energy consumption dramatically. Most hot water tanks are only 60% efficient—changing to a high efficiency unit will reduce your hot water costs by 33%. I’m quite fond of many of the tankless units currently on the market. They take some getting used to, but have many benefits.

Another technology that’s well worth installing is a Drain Water Heat Recovery (DWHR) unit. This unit removes the heat from your drained shower water and transfers it to the incoming fresh water before it reaches your water-heating device. This not only saves you money, it also improves your water heater’s performance.

The last thing to do is to get the home rated for energy performance. This is done by a Certified Energy Advisor (CEA). A CEA is certified by Natural Resources Canada to model and test a home for energy efficiency. This is third party verification of your home’s performance. After the CEA has completed their work, they supply you with an EnerGuide Label. This label is similar to the EnerGuide labels on your appliances and will give you an indication of your home’s overall performance. The rating goes from 0–100, with 100 being best. The average new home in Alberta is built to an Energuide 72–74.

So now the real question: how much does this cost? Depending on the builder and their economies of scale, expect to add $5,000–$5,500 to the sale price. Once you take your mortgage into account, the dollars really start to make financial sense. Borrowing $5,000 on a 25-year mortgage at today’s rate costs $290/ year—and you’ll save more than that on utilities each year. That means you’re not just getting greener, you’re getting a return on investment.

Now for the bonus: if you use mortgage insurance through CMHC or Genworth, there is a 10% rebate on those fees if your home meets their energy requirements. These requirements are changing so see their websites for further information.

When it comes to energy efficiency, some well-placed dollars can go a long way.

DAVE TURNBULLProduct Development Manager

Landmark Group

EnErgy EfficiEncy should comE standard. With us, it does.EnErgy EfficiEncy should comE standard. With us, it does.

HOW MUCH DOES IT COST TO BUILD AN ENERGY EFFICIENT HOME?


9 RUTHERFORD ESTATESDEVELOPER: Kimberley CommunitiesBUILDERS: Kimberley Communities, Kimberley HomesLOCATION: South of Ellerslie Road just off 127 Street

10 ALLARDDEVELOPER: United CommunitiesBUILDERS: Caliber Master Builder, Kimberley Homes, White Eagle Homes, Parkwood Homes, LOCATION: 111th Street & 30th Ave

11 RAVINES OF RICHFORDDEVELOPER: Rohit Land DevelopmentBUILDERS: Celebration Homes, OPENLOCATION: Ellerslie Road & Blackmud Creek Ravine

12 CALLAGHAN IN HERITAGE VALLEYDEVELOPER: MLC Group / JCA FinancialBUILDERS: Landmark Communities, Sterling Squared, Simply Sterling, Rohit Communities, Innovations by JaymanLOCATION: South on James Mowatt Trail and North of 30 Avenue SW

13 ALLARD IN HERITAGE VALLEYDEVELOPER: MLC Group / JCA FinancialBUILDERS: Innovations by Jayman, Landmark Legacy, Rohit Communities, Jayman MasterBuilt, Sterling HomesLOCATION: South on James Mowatt Trail and South of 30 Avenue SW

14 THE ORCHARDS AT ELLERSLIEDEVELOPER:Brookfield Residential BUILDERS:Front attached Homes: Homes by Avi, Sterling Homes, Jayman MasterBUILT Rear-Detached Homes: Landmark Legacy Homes, Daytona Master Builder Semi-Detached:Axio by Brookfield HomesLOCATION:turn south off of Ellerslie on 91st Street, turn east on 25th Ave SW.

15 WALKER SUMMITDEVELOPER:United Communities BUILDERS: RSL - Kirkland, Landmark, Morrison and Montorio Duplex - Morrison, Montorio and Innovations by JaymanLOCATION: South on Ellerslie to 66th Street.

16 AURORADEVELOPER: Melcor Developments BUILDERS: Bedrock HomesCoventry Homes, Landmark HomesParkwood Master Builder,Trend HomesLincolnberg Master BuilderLOCATION : Southeast Edmonton south of Ellerslie Road on 66th Street

17 ROYAL OAKSDEVELOPER: Cancom Development BUILDER: Konark Homes, Cancom Homes, Infiniti Homes, OpenLOCATION : South on 101 Street to Towship Road 510. Turn east to EastVistas Blvd. (follow signs).

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5 RUTHERFORD HEIGHTSDEVELOPER: Qualico CommunitiesBUILDERS: Pacesetter Homes, Sterling Homes, Look HomesLOCATION: James Mowatt Trail & Rutherford Rd.

6 WALKER LAKES NORTHDEVELOPER: MLC Group / Cameron CommunitiesBUILDERS: Cameron Homes, Crimson Cove HomesLOCATION: South of Ellerslie Rd. on 66 Street

7 THE FIELDS OF SUMMERSIDEDEVELOPER: Melcor Developments Ltd. BUILDERS: Bedrock Homes, Coventry Homes, Landmark Homes, Parkwood Master Builder, Daytona Homes Master BuilderLOCATION: East on Ellerslie Road, South on 66 Street, to temporary access road on 19 Avenue SW

8 WALKER LAKES STATION DEVELOPER: MLC Group / JCA Financial BUILDERS: Cameron Homes, Greenboro Homes, Sterling Homes, Pacesetter Homes, Landmark Communities, Lincolnberg Communities, Tamarack Park, Sterling Squared, Landmark LegacyLOCATION: South of Ellerslie Rd. on 66 St.

1 ELLERSLIE HEIGHTSDEVELOPER: United CommunitiesBUILDERS: Landmark Legacy, Homes by Avi, Landmark Communities, Landmark Homes, Park Royal Homes, Kirkland HomesLOCATION: North of Ellerslie Rd. on 66 Street

2 LAKE SUMMERSIDEDEVELOPER: Brookfield ResidentialBUILDERS: Mosaic by Brookfield Homes, Axio by Brookfield Homes, Innovations by Jayman, Daytona Homes Master Builder, Landmark Homes, Homes by Avi, Pacesetter Homes, Landmark Classic Homes, Canyon Spring Master Builder, Aacropolis Homes LOCATION: Ellerslie Rd. & Parsons Rd.

3 CALLAGHANDEVELOPER: Rohit Land Dev.BUILDERS: Art Custom Homes, White Eagle Homes, D’Cor Homes, Rohit Communities, Celebration HomesLOCATION: 1 km South of Ellerslie Road on 111 Street SW

4 SUNSET VALLEY ESTATESDEVELOPER: VIP Development Group of CompaniesBUILDERS: OpenLOCATION: South Of Ellerslie Rd.between 66 Street & 75 Street

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SUSTAINABLE

FEATURES COME

STANDARD

Home Sweet triple pane insulated

Home

SUSTAINABLE SUSTAINABLE

FEATURES COME FEATURES COME

STANDARDSTANDARD

Home Sweettriple pane insulated

Home

ANTHONY HENDAY DRIVE

CALGARY TRAIL

PARSONS ROAD

91ST STREET

66TH STREET

ELLERSLIE ROAD(9TH AVENUE)

Integrity in real estate since 1923

SOUTH

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If you are looking for a move-up home away from the bright lights of the city, yet still close to

amenities, Bedrock’s new showhome, the Catalina, should be on your wish list.

This 2,500-sq.-ft., two-storey home is in the new Aurora community in the city’s southeast. Located south of Ellerslie Road on 66th Street, Aurora is part of the larger Walker Lakes area. What separates Aurora from other communities is its nod to nature and the northern lights. Along with walking trails and three naturalized ponds with fountains, there will be stargazing platforms with placards to indicate various constellations.

CATALINA – Bedrock Homes

It’s in this setting that you’ll � nd Bedrock’s Catalina. This $625,000 contemporary home showcases elegant and stunning features, starting with the foyer. A stunning circular staircase is front and centre, and open to above and below. Open risers and maple railing in a rich dark stain add to the dramatic staircase that leads to the second level. This showhome features a � nished basement, and the stairs leading to the lower level are no less dramatic.

Back on the main level, double French doors open to an of� ce to the left of the stairs. An oversized window makes for a sunny room that includes a closet for storage and hardwood � oor.

Further into the Catalina is the heart of the home – the open concept kitchen, dining and Great Room. The showhome’s modern style really shines here, starting with the feature wall in the Great Room. The sleek, linear � replace with stainless steel surround is � nished with a � oor to ceiling porcelain tile that mirrors the porcelain � oor tiles in the foyer and bathrooms.

s h o w h o m e r e v i e w

s h o w h o m e r e v i e w

The kitchen boasts contemporary style with all the amenities you could want in a kitchen, including stainless steel appliances. A coffered ceiling and stylish light fixtures help set the tone. An oversized island with quartz countertop features a flush eating bar and a Silestone undermount sink.

State-of-the-art cabinetry includes soft close drawers, and spring-loaded doors on the upper cabinets eliminate the need for door handles. The high gloss grey-toned cabinets are finished in durable melamine for a sleek, contemporary feel.

The dining area is a seamless extension of the kitchen, where you can enjoy the results of your cooking. At 12 by 10 ft., the area can easily accommodate a large gathering. Oversized windows here and in the Great Room keep the heart of this home filled with light.

A kitchen functions best when you are organized, and Bedrock has that covered in the Catalina. Off the kitchen and leading to the garage entrance are three walk-through rooms. The first is a cove, or miniature butler’s pantry, where a phone line keeps calls more private and the phone

itself away from the kitchen hubbub. The cove also has shelving and storage.

Next is the walk-through pantry where canned and dry goods are conveniently at hand. Continuing from the pantry is the mudroom off the garage entrance where you can hang coats and add a bench for extra storage.

Heading upstairs you’ll find an art niche that adds to the drama of the circular staircase. At the top of the stairs is the main bath complete with quartz countertop, a chic glass tile backsplash, and a combination shower/bath.

To the left of the landing you’ll find the kid’s bedrooms, each a generous size. One includes a walk-in closet, while the other has mirrored closet doors. At the end of the hall is the stunning sunken bonus room. Vaulted ceilings and a soaring centre window are a breathtaking addition to this home. You’ll want to spend as much time as you can here, whether reading, enjoying a family movie or playing games with the kids.

To the right of the second floor landing you’ll find a laundry room equipped with a stainless steel washer and dryer, plus shelving and counter space to keep everything organized.


An expansive ensuite is a luxurious escape. A corner soaker tub and walk-in glass shower with bench seating create the spa setting. A quartz countertop and a vanity tower add to the sumptuous his-and-her vanity.

Last, but certainly not least, is the impressive master suite. The bedroom, at 14 by 15 ft. is almost as large as the Great Room, and can easily fit a king-size bed. The walk-in closet includes well-designed built-in shelving and storage.

An expansive ensuite is a luxurious escape. A corner soaker tub and walk-in glass shower with bench seating create the spa setting. A quartz countertop and a vanity tower add to the sumptuous his-and-her vanity.

The finished basement adds extra living space with bedrooms and a full bath, plus a large area that could be used as a games room. There’s also a storage area under the stairs and more storage available in the mechanical room.

Bedrock is an energy-efficient home builder. The Catalina is built to BuiltGreen Gold Standard and includes triple-pane windows, Watch dog Water Proof basement and Heat Recovery Ventilator. Visit the Catalina at 3105 Winspear Crescent, Monday to Thursday 3 to 8 p.m., weekends and holidays noon to 5 p.m. For more information visit bedrockhomes.ca or call 587.520.0935.


The Orchards is wonderful in winter Outdoor activities don’t stop when the snow starts falling. The Orchards at Ellerslie comes alive during winter, with plenty of room for all your favourite cold weather pastimes. We have paths you can use for cross-country skiing, and space for building snowmen — or even a cool snow fort! Organize a neighbourhood snowball fight, or shinny tournament in a backyard ice rink. Spend an afternoon snowshoeing, or making snow angels. There’s winter fun to be found for everyone at The Orchards.

Nature can be enjoyed all year round, and there’s no better place in the city to experience it. Get connected to our community, and get out there. Make your own little winter wonderland at The Orchards.

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NSHOWHOME HOURSSaturday & Sunday: 12 pm - 5 pm

Monday - Thursday: 2 pm - 8 pm

Friday: Closed

FRONT-ATTACHEDHomes by Avi

Jayman MasterBUILT

Sterling Homes

REAR-DETACHEDDaytona Homes Master Builder

Landmark Legacy Homes

DUPLEXESAxio by Brookfield Homes

Homes starting in the $280’s The Orchards at Ellerslie connects you to everything you need, and the courses you love. With a future 8-acre Orchards’ Club, an activity plaza and endless interconnected trails, it’s the perfect place to grow.

Come to life at theorchards.ca

Move in todayRanging from the $280’s to $500’s, The Orchards’ well-designed homes have large floor plans, spacious rooms, and are master-crafted to meet your needs. Homes are move-in ready, so cozy up to your home in this beautifully connected community today.

The Wilkinsons: f b.me/theorchardsatellerslie

Beautifully Connected.

SOUTH


The Orchards is wonderful in winter Outdoor activities don’t stop when the snow starts falling. The Orchards at Ellerslie comes alive during winter, with plenty of room for all your favourite cold weather pastimes. We have paths you can use for cross-country skiing, and space for building snowmen — or even a cool snow fort! Organize a neighbourhood snowball fight, or shinny tournament in a backyard ice rink. Spend an afternoon snowshoeing, or making snow angels. There’s winter fun to be found for everyone at The Orchards.

Nature can be enjoyed all year round, and there’s no better place in the city to experience it. Get connected to our community, and get out there. Make your own little winter wonderland at The Orchards.

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NSHOWHOME HOURSSaturday & Sunday: 12 pm - 5 pm

Monday - Thursday: 2 pm - 8 pm

Friday: Closed

FRONT-ATTACHEDHomes by Avi

Jayman MasterBUILT

Sterling Homes

REAR-DETACHEDDaytona Homes Master Builder

Landmark Legacy Homes

DUPLEXESAxio by Brookfield Homes

Homes starting in the $280’s The Orchards at Ellerslie connects you to everything you need, and the courses you love. With a future 8-acre Orchards’ Club, an activity plaza and endless interconnected trails, it’s the perfect place to grow.

Come to life at theorchards.ca

Move in todayRanging from the $280’s to $500’s, The Orchards’ well-designed homes have large floor plans, spacious rooms, and are master-crafted to meet your needs. Homes are move-in ready, so cozy up to your home in this beautifully connected community today.

Axio by Brookfield Axio by Brookfield Axio by Brookfield

The Orchards is wonderful in winter

The Wilkinsons: f b.me/theorchardsatellerslie

Beautifully Connected.

SOUTH

SOUTH

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White Eagle Homes Single Family Homes | 780-456-5393

FINAL PHASE NOW SELLING Southwest Edmonton’s Most Desirable Community!

Art Custom Homes Single Family Homes | 780-993-9090

D’Cor HomesSingle Family Homes | 780-289-3636

MULTI FAMILY

SEVENOAKS

MULTI FAMILY

MULTI FAMILY

STORM WATER

POND

PARK

PARK

CALLAGHAN DRIVE

CALL

AGH

AN

DRI

VE

BLACKMUD CREEK

JAMES M

OWATT TRAIL

CANTOR LANDING

CUNNINGHAM DRIVE

CUNNINGHAM CAPE

CUNNINGHAM W

AY

CONNELLY WAY

CAINE BLVD

Monsignor Fee Otterson

School

Town Centre

Final Phase

Showhomes Coming Spring 2013!

Close to all major amenities, including shopping, schools, and transportation. Final phase boasts lots backing onto park space, ample walking trails, ponds, and easy access to Blackmud Creek Ravine. Call one of our builders to learn what it means to Live Life Well.

Live Life Well. LiveInCallaghan.com

SOUTH

SOUTH

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Single Family Home with Garage in Mature Neighbourhood

from the

$340,000’s (including lot and GST)

LaSt StaGe Now SeLLiNG

• Last chance to own a home in one of the sought after established communities in south Edmonton

• Easy access to Anthony Henday and minutes from recreation, shopping and services

• Walk to school, parks and plagrounds

• Beautiful treed boulevards, ponds and parks

Check information about the builders, lots, community and area amenities.

Landmark Legacy780.702.3121

Homes by aVi780.410.1945

59

SOUTH

As if purchAsing A new home isn’t intense enough, homebuyers (with the exception of first-timers) also have to sell their current properties. The fact is, few homes are ready to go on the market as-is.

It’s not just a matter of tidiness – though that’s certainly crucial. It’s about helping potential buyers to connect emotionally with your space. That means making your home wel-coming to as many people as possible, often at the cost of your own person-al taste. This isn’t easy, but a profes-sional stager can help; your realtor may even have one on staff. If a stager isn’t in the cards, there are steps you can take on your own.

First off, de-clutter. Chances are, you’ve got twice as much stuff as you need to show your home to its best potential. In addition to removing obvious messes, this includes things like extraneous furniture, children’s toys, knick-knacks and family photos. This can be emotionally difficult, but

Marnie Bennett is the marketing consultant for Bennett Property Shop Realty, a full premium service real estate brokerage

specializing in marketing and selling new and resale homes, condominiums and investment

real estate. Marnie is the host of the weekly radio show the Real Estate Hour, a millionaire

real estate investor and a wealth management coach. bennettpros.com

Bright paint or outdated wallpaper?

replace them with neutral wall colours and add

vibrancy with throw pillows

and vases.

by Marnie Bennett

Bid adieu to this old house:

remember: the goal is to make it easy for potential buyers to imagine their own possessions in your space.

Next, fix unfinished projects. If buyers see loose floor tiles and cracks in the wall, they’ll wonder what other issues are lurking under the surface. Don’t give them cause to worry.

To make rooms appear larger, replace puffy, over-sized furniture with sleeker pieces. In the bedroom, you’re better off showing a queen-sized bed and two small bedside tables than a king with none. To find the right pieces, you can beg, borrow and, if necessary, lease.

Bright paint or outdated wallpa-per? Replace them with neutral wall colours and add vibrancy with throw pillows and vases. Splurge on fresh, sweetly scented flowers for an open house; they’ll pay for themselves. Mirrors are a wonderful tool for filling empty walls. And, whatever the décor in your bathroom, thick white towels will lend a hotel-like vibe.

For extra curb appeal, give your front door a fresh coat of paint and temporarily take your storm door off the hinges. Invest in two urns; plant them with pretty, seasonal flowers. In winter, cedar branches draped with ribbon are just as beautiful.

I can guarantee that all this work will have a huge payoff, so keep your eyes on the prize. After all, in your brand new home, you can have things exactly the way you want!

How To STAge youR HoMe FoR MAxIMuM pRoFIT


h o m e s m a r t s

AREA INFO• POPULATION: Approx 12,500

• LOCATED: 2 miles South of Edmonton on 50th street.

• SCHOOLS: 5 Schools from Kindergarten to Grade 12.French Immersion offered in all.

• GROCERY: Sobey s, Extra Foods

• RECREATIONAL FACILITIES: Beaumont Regional Activities Centre and numerous outdoor facilities.

• MEDICAL FACILITIES: 10 minutes to Grey Nuns Hospital. Served by Edmonton Ambulance.

• PARKS & PATHWAYS: Approximately 170 acres of parkland & km of inter-connected walkways.

•17 MINUTES TO THE AIRPORT

beaumont

5 DANSEREAU MEADOWSDEVELOPER: United CommunitiesBUILDERS: Caliber Master Builder, Landmark Homes, LandmarkCommunities, Pacesetter Homes LOCATION: West on 50th Street at Rue Montalet (follow the signs)

6 RUISSEAUDEVELOPER: Qualico Communities BUILDERS: Look Homes Master Builder. LOCATION: It is located on the south side of 50th ave at about 66st.

7 ROYAL OAKSDEVELOPER: Cancom Development BUILDERS: Konark Homes, Cancom Homes, Infiniti Homes, Open LOCATION: From Beaumont: West on Township Road 510 to East Vistas Blvd. (follow signs)From Edmonton: South on 101 St. to Township Road 510, east on Township Road 510 to East Vistas Blvd. (follow signs)

1 COLONIALE ESTATESDEVELOPER: ARW Development Corp.BUILDERS: Montorio Homes, Etiquette HomesLOCATION: 50 St. & Coloniale Way

2 GOUDREAU TERRACEDEVELOPER: Qualico CommunitiesBUILDERS: Landmark Homes, OpenLOCATION: 50th Avenue & 62nd Street

3 PLACE CHALEUREUSEDEVELOPER: Mandalay DevelopmentsBUILDERS: Royer Homes, Orca Homes, Goldenwood Homes, Davies & Company, Landmark CommunitiesLOCATION: 50 Street & Blvd. Soleil

4 TRIOMPHE ESTATESDEVELOPER: S&D Group Development LtdBUILDERS: Abington Homes, Ashton Homes, Royer Homes, OpenLOCATION: 44 Ave. just off 44 St.

Come visit us and discover why“Life is Better in Beaumont”

for more information call 780-929-8782

or visit our website at town.beaumont.ab.ca

61

EXECUTIVE

LIFESTYLE LOTSNOW AVAILABLE

CREATE POSSIBILITIES.WE’RE BUILDING A COMMUNITY TOGETHER. JOIN US.

Visit cancomdevelopment.com or contact us at780.442.1111 for more information.

62 NEW HOME BUYERS GUIDE | APR 16 - MAY 14, 2010

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Coloniale Way

Show Homes

Rue Bouchard

Promenade Blvd

Rue Blanchard

N Showhomes Open Weekdays 3pm to 8pm Weekends 12pm to 5pm, Closed Fridays

ETIQUETTE HOMES 780-951-7992MONTORIO HOMES 780.476.7070

*Ask your builder for terms and details regarding free golf.

FREE GOLF

AT COLONIALEWITH NEW HOME

PURCHASE*

• A striking community nestled around our ‘championship’ Coloniale Golf Course

• Enjoy a friendly small town family lifestyle - with big city proximity

• Master planned living with parks, shops, schools (offering French Immersion)

• Quality control through architectural guidelines to protect your investment

• Less than 15 minutes from the Edmonton International Airport

A master planned family community

V I S I T O U R S H O W H O M E S T O D A Y

BEAUMONT

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BEAUMONT


Nobody likes to pay too much tax, but a bit of planning can reduce your tax liability.

“It’s not too late to change what will go on your 2012 tax return when this season rolls around,” says Gary Dent of the accounting firm Grant Thornton.

Dent recommends talking to your accountant about these last-minute tax planning tips:» If you have a capital gain in 2012 (or in any of the last three years), talk to your accountant about selling investments with accrued losses before the end of the year. If your spouse has realized a capital gain and you have an unrealized loss (or vice-versa), there are ways to transfer the loss to the spouse with the gain.» Since most mutual funds distribute income and capital gains once a year around mid-December, deferring the purchase until January will mean that you won’t have to report any income for 2012. If you’re planning to sell, consider doing it before the distribution date so instead of reporting an income allocation, you’ll realize a capital gain or loss.» Make certain payments before the end of the year to realize tax savings: some medical expenses; fitness costs

and registration fees for artistic, cu ltu ra l , recreat iona l or development activities for your children under 16 (under 18 for disabled children); public transit costs; investment costs (safety deposit box rental, interest and brokers’ fees); moving costs; tuition fees and interest on student loans; and charitable and political donations.» With current interest rates at very low levels, you might want to consider loaning funds to a spouse or common-law partner who is in a lower marginal tax bracket than yourself. Your spouse can invest the loan proceeds and include any income/capital gains as their own, provided you are paid interest on the loan at the prescribed rate in effect at the time the loan is made. Work with a tax planning professional to understand the rules.

» Most people must make their 2012 RRSP contribution by March 1, 2013, but you can delay your RRSP contribution if you expect to be in a higher tax bracket in the near future, or you can make the contribution but delay claiming the amount.» You may also be able to make contributions to a Registered Education Savings Plan, Registered Disability Savings Plan and a Tax-Free Savings Account. There is no tax on the income earned in an RESP or RDSP until the amounts are withdrawn, and any income earned in a TFSA is never taxed.

You can start to collect CPP benefits beginning as early as age 60 and as late as age 70, but you no longer have to be retired to begin receiving payments. If you are between 60 and 65 years of age and have not yet retired, you need to decide if you want to start collecting benefits.» The government imposes a “clawback” on your Old Age Security payments if your net income for 2012 exceeds $69,562. If you have the ability to manage the amount of income you receive in a year, keep this threshold in mind.» In general, charitable donations over $200 result in tax savings at the highest marginal tax rate.

While these tips aren’t a substitute for the recommendations of your tax adviser, and individual circumstances vary, the ideas can help begin the conversation with your accountant. More information and guidance is available online at grantthornton.ca NC

g e t t i n g y o u r f i n a n c e s i n o r d e r

EnD-OF-YEAR

tax tips


leducAREA INFO• PoPulation: 17,000 and growing

“Small city” living within minutes of “Big city” amenities.

• located: 20 km south of Edmonton on Hwy 2

• SchoolS: 7 Elementary, 2 Junior & Senior high. Public, Private & Separate school systems.

• Grocery: Variety of shopping.

• recreational FacilitieS: Recreation & Culture Centre, Performing Arts Centre, 18 hole Golf Course & Public Library.

• Medical FacilitieS: Full Service Community Hospital and Full Ambulance Service.

• ParkS & PathwayS: 27 parks including Telford Lake, Fred John’s Park & Lions Campground.

Telford Lake

Black Gold Dr.

Rollyview Rd.

To Calgary

50 St.

50 Ave.

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acEw

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42 Ave.

To CalmarHighway 39

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42 S

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the city oF leduc, a thriving Industrial, Commercial

& Agricultural Community continues to experience growth

and expansion.

“A great place to call home!”

For more information contact the city of leduc at

780-980-7177

6 aSPen creek DEVELOPER: Maclab Enterprises BUILDERS: Barr Canna Homes, Moduline Homes LOCATION: Suntree Promenade & Aspen Creek Way

7 weSt haVen Park DEVELOPER: Melcor Developments Ltd. BUILDERS: Encore Master Builder Santos Construction Ltd., Homexx Corporation LOCATION: West on 50th Ave, South on West Haven Boulevard

8 SouthFork DEVELOPER: Tamani Communities BUILDERS: Dolce Vita Homes, Homes by Avi, Innovations by Jayman, Jayman MasterBUILT LOCATION: Highway 2A & 50th Street

9 roBinSon DEVELOPER: Beaverbrook Developments BUILDERS: Bedrock Homes, Dolce Vita Homes, Homes by Sher-Bilt, Western Living Homes LOCATION: South of Rolly View Road on C.W. Gaetz Drive

1 MeadowView Park DEVELOPER: Qualico Communities BUILDERS: Stardust Homes, Open LOCATION: Coady Blvd. & McDowell Wynd, South of Rollyview Rd.

2 triBute DEVELOPER: Qualico Communities BUILDERS: Greenboro Homes, Tristate Signature Homes LOCATION: Dunlop Wynd & Caledonia Dr.

3 BridGePort DEVELOPER: Melcor Developments Ltd. BUILDERS: Santos Construction Ltd., Encore Master Builder, McLean & McLean Custom Homes Ltd., Western Living Homes LOCATION: Take 50 Ave,turn right on Bridgeport Crossing

4 windroSe DEVELOPER: Maclab Enterprises BUILDERS: Homes by Sher-Bilt, Cornerbrook Construction, Jacob’s Construction, McLean & McLean Custom Homes LOCATION: Exit at 50 Ave off Highway 2, proceed west, then go south on RR 253 to Windrose

5 Suntree DEVELOPER: Maclab Enterprises BUILDERS: Kimberly General Partner, Cobblestone Master Builder, Bedrock Homes, Caliber Master Builder, Entity Homes LOCATION: Grant MacEwan Boulevard & Suntree Promenade

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The grass will be greener,just like your wallet.

PICK UP ANY NEWSPAPER TODAY AND NO ONE could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. What if Greece defaults? What about the “� scal cliff” in the US? Are Canadians taking on too much debt? Have mortgage rules gone too far? Is there a housing bubble about to burst? What if there is a market correction?

The real question is, do Canadian homeowners or prospective buyers need to be concerned? Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one.

FIRST-TIME HOMEBUYERS:If you’re a � rst-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news for you; you can still get into homeownership with only � ve per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market.

Conclusion: A market correction is a good thing for you.

by PETER KINCH

‘ market correcti on’?

WHAT’S ALL THE FUSS ABOUT A

CURRENT HOMEOWNER BUYINGOR SELLING – MOVING UP OR DOWNSIZING:It is very rare that someone buys something without selling something � rst, and vice versa. If you are a homeowner and you’re looking for the right time to sell your house so you can buy another, you may be concerned that the price of your current home is dropping. But let’s take a closer look at that: assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). The key to remember in a downturn market is that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for.

Conclusion: in most cases, the net effect of a market correction is zero.

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

C O N T I N U E D O N PA G E 6 8 . . .66 NEW HOME GUIDE | DEC 21, 2012 - JAN 18, 2013

Integrity in real estate since 1923

You shouldn’t have to sacrifice livability for affordability. Good thing West Haven Park is now on the map. We planned our community with tree-lined streets, playgrounds, fountains and walking paths—and just enough room for your family’s home.

Visit our showhomes at Black Gold Drive & West Haven Drive

LEDUC

67

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

Real estate investoR oR second-home buyeR:If you are buying real estate as an investment either for cash flow or as a second home, then this is the perfect market condition for you. When there are more sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable.

Conclusion: you should be hoping for a market correction.

cuRRent homeowneR with no plans to sell:The majority of Canadians fall into this category, and let’s be honest – the single biggest reason we worry about a housing correction is the fear that it will erode our home equity and net worth. Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern.

But should there be? Again, let’s look at the facts. For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait and go about your normal life until the market bounces back – which it has always done for the past 100 years.

Conclusion: a market correction may very well have zero impact on you.

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern for you?2. Is this an opportunity? Or,3. Am I just getting worked up about nothing?

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.

Until next time, this is the Mortgage Minute.

t h e m o r t g a g e m i n u t e | C O N T I N U E D

bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.


35 Ave.35 Ave.12

2 WEDGEWOODDEVELOPER: Reid Worldwide CorporationBUILDERS: ReidBuilt Homes LOCATION: Corner of Lessard Road & 180th Street

3 THE PROPERTIES OF DONSDALEDEVELOPER: Alldritt Land Corporation LPBUILDERS: OpenLOCATION: 178 Street south to Lessard Road turn on Danbury Boulevard & follow the signs

4 PARKLANDDEVELOPER: Brookfield ResidentialBUILDERS: Daytona Homes Master Builder, Parkwood Master Builder, Park Royal Homes, Landmark Homes, Canyon Spring Master Builder, Brookfield Homes, Sterling Homes, Classic Communities.LOCATION: 199 Street & 62 Avenue (Callingwood Rd)

5 HAMPTON TERRACEDEVELOPER: Qualico CommunitiesBUILDERS: Rohit Communities, Sterling HomesLOCATION: 199 St. just south of 45 Ave.

1 LEWIS ESTATESDEVELOPER: Lewis Estates Communities Inc.BUILDERS: ReidBuilt Homes, Challenger Homes, Landmark Homes, Western Living Homes, Canyon Spring Master Builder, Marquee Homes, Paulmac Developments, Lincolnberg Homes, Lincolnberg Communities

MEADOWLANDS ESTATESHomexx Corporation, Western Living Homes,Canyon Spring Master Builder,Stonegate Developments

MEADOWLANDSEncore Master Builder, Landmark Legacy Homes, Lincolnberg Homes

SUDER GREENSReid Built Homes, Challenger Homes, Landmark Homes, Hillview HomesLOCATION: West of Anthony Henday on 87th Ave.(Webber Greens Dr.)

WEBBER GREENSEstate Homes-Western Living Homes, Canyon Spring Master Builder, Marquee Homes, Move-Up Homes-Landmark Homes, Challenger Homes, Reid Built Homes

west

6 TOUCHMARKDEVELOPER: TouchmarkBUILDERS: Phase 1: Westhill Construction Ltd.Phase 2: Celebration HomesLOCATION: 183 St & Lessard Road

7 COPPERWOOD DEVELOPER: The Grange South

West Property Corporation BUILDERS: OpenLOCATION: Hemingway Rd. & 199 Street (between 45 Ave. & 62 Ave.)

8 CAMERON HEIGHTSDEVELOPER: Cameron Heights Joint VentureBUILDERS: Canyon Spring Master Builder, Hillview Homes Master Builder, Landmark Homes, Darren’s Homes, Classic Landmark Homes, Pacesetter Homes, Kanvi Homes, Marcson Homes, Look HomesLOCATION: South on Anthony Henday to Cameron Heights Drive.

9 HAMPTON POINTE DEVELOPER: Beaverbrook DevelopmentsBUILDERS: MacLachlan & Mitchell Homes, Bedrock Homes, Dolce Vita HomesLOCATION: Take Anthony Henday, turn West on Lessard Road.

10 GRANVILLEDEVELOPER: Alldritt Land Corporation LP BUILDERS: Alldritt Homes, Bedrock Homes, Crimson Cove Homes, Infiniti MasterBuilt, Kanvi Homes, Kimberley CustomBuilt, Pacesetter Homes, Parkwood Master Builder, San Rufo HomesLOCATION: SW corner of Whitemud Dr. and Guardian Rd.

11 SECORDDEVELOPER: Hopewell Residential CommunitiesBUILDERS: Daytona Homes Master Builder, Innovations by Jayman, Jayman MasterBUILT, Prominent Homes,Sabal HomesLOCATION: North of Whitemud Dr. on 215 Street

12 WOODHAVEN -EDGEMONTDEVELOPER: Walton Development and Management LPBUILDERS: Montorio Homes, Coventry Homes, Sabal Homes, Pacesetter HomesLOCATION: 199street and 35 ave

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77

6 5

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Whitemud Dr. Highway 628

Lakeland Dr.

3

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sherwood park

3 FOXBORO DEVELOPER: Qualico Communities BUILDERS: Challenger Homes, ReidBuilt Homes, MacLachlan Mitchell Homes, Open LOCATION: East of Clover Bar Road on Foxboro Drive

4 BalmORal heights DEVELOPER: Landrex Developers BUILDERS: Open LOCATION: South of Wye Rd. on Rge. Rd. 233

5 aRDROssaN heights DEVELOPER: Strata Developments BUILDERS: Open LOCATION: 4 miles east of Sherwood Park on Baseline Road North at RR 824 to Ardrossan NEW LOTS COMING SOON!

6 lakelaND RiDge DEVELOPER: Genstar Development Co. BUILDERS: Challenger Homes, Landmark Homes, Ironwood Homes, Rohit Communities, Homes by AVI, Daytona Homes Master Builder LOCATION: Cloverbar Rd. & Crimson Dr.

7 summeRwOOD DEVELOPER: Qualico Communities BUILDERS: Jayman MasterBUILT, Pacesetter Homes, Rohit Communities, Open LOCATION: East of Clover Bar Rd. North of Baseline Rd. on Lakeland Dr.

1 asPeN tRails/emeRalD hills DEVELOPER: Genstar Development Co. BUILDERS: Coventry Homes, Greenboro Homes, Park Royal Homes, Sterling Homes, Landmark Communities, Christensen Developments LOCATION: Clover Bar Rd. North of Baseline Rd.

2 sheRwOOD gOlF & COuNtRY CluB estates DEVELOPER: VIP Development Group BUILDERS: Open LOCATION: South of Wye Rd. on Range Rd. 233 Across from Fountain Creek Estates

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CALL Margot Paull 780-231-6546

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With your support, the Stollery Children’s Hospital Foundation is able to provide life-saving equipment, research that paves the way for new treatments and cures, medical innovations and specialized training, so that every child has the chance to go home again.

DONATE TODAY. STOLLERYKIDS.CA

Here’s what you can do toRecycle, Renew and Reuse

• Keep your car in good working order. Tune-upsand filter changes cut down on exhaust emissions, and you’ll get better gas mileage.When you change your oil, take your usedmotor oil to a recycling centre.

• Use available transit alternatives.

• Separate your garbage. Glass, aluminum, paperand even plastic can be recycled. If a recyclingprogram is not directly available to you, contactyour municipal sanitation department.

• Donate reusable clothing and linens to charity.Most pick-up regularly in your area.

• Become environmentally active in yourcommunity.

You can make the world a better place to live...now and for future generations.

Recycle girl(19/9)-ja/ah


fort saskatchewan

AREA INFO• POPULATION: Over

18,653

• LOCATED: Adjacent to the northeast boundary of the provincial capital, the City of Edmonton-15 minutes close.

• SCHOOLS: 6 Public Schools, 3 Separate Schools, 1 Christian School.

• GROCERY: Sobey’s Station Square, Canada Safeway, No Frills.

• RECREATION & CULTURE FACILITIES: Dow Centennial Centre, Tennis courts, campground, baseball diamonds, golf course, indoor pool, outdoor ice rinks (2), curling rink, 3 arenas, indoor soccer, gymnasium, fitness centre, performing arts theatre, visual arts gallery, pottery studio.

• MEDICAL FACILITIES: New Hospital Opening in 2012, 5 Medical Clinics.

• PARKS & PATHWAYS: 360 hectares of park/recreational/ natural land with 30 kilometres of paved trails for walking, running, biking, rollerblading and cross-country skiing.

A quiet, friendly, family oriented community.

“Life is good here!”

For more information contact Jasmine Zebic 780-992-6408or visit our website at www.fortsask.ca or email: [email protected]

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5 SOUTHFORT ESTATESDEVELOPER: Strata DevelopmentsBUILDERS: Concept Homes, Homexx Homes, Landover Homes, Rundle Homes, OpenLOCATION: Southfort Drive & Greenfield Way

6 FOREST RIDGE IN WEST PARKDEVELOPER: Qualico CommunitiesBUILDERS: Sterling Homes, Sterling Squared, Pacesetter Homes, Homes by Santos, OpenLOCATION: Westpark Drive & Cranberry Bend

7 WEST WOODLANDSDEVELOPER: Strata DevelopmentsBUILDERS: Oleksyn Homes, Clearview Homes, Open.LOCATION: 55 St. & Sunset cres. Bruderheim

8 SIENNADEVELOPER: Qualico CommunitiesBUILDERS: Daytona Homes Master Builder, Sterling Homes, Sterling Squared, Rohit Communities, OpenLOCATION: South on 94 Street to Sienna Gate

1 WESTPARKDEVELOPER: Landrex DevelopersBUILDERS: Landmark Homes, Beattie Homes, ReidBuilt Homes, Stoneridge Homes, Concept Homes, Daytona Homes Master BuilderLOCATION: West side of Hwy. 21 between Westpark Blvd along Westpark Drive

2 SOUTHPOINTEDEVELOPER: MLC Group/Cathton HoldingsBUILDERS: Landmark Communities, Tristate Signature Homes, Active Homes, Impact Homes, IRONCO Master Builder, Integra Homes LOCATION: Junction of Hwy. 21 and Hwy. 15 on 94 Street

3 SOUTHFORT RIDGEDEVELOPER: Strata DevelopmentsBUILDERS: Greenboro Homes, Coventry Homes, Rundle Homes, CMK Homes, Anez Homes, DaVinci DevelopmentsLOCATION: Southfort Blvd & Ridgeland Way

4 SOUTHFORT MEADOWSDEVELOPER: Strata DevelopmentsBUILDERS: Homexx Homes, Landover Homes, Rayborne Homes, Stoneridge HomesLOCATION: Southfort Drive & Meadowview Drive

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Heading into 2013, more (37 per cent) Canadian consumers feel their personal financial situation will improve than they did at this same time last year (32 per cent) and they are taking steps to be in better financial shape, according to the quarterly RBC Canadian Consumer Outlook.

Looking ahead, one-in-three Canadians (31 per cent) are planning to focus on reducing their debt, 26 per cent on spending less, 25 per cent on saving or investing more, and another 20 per cent intend to take all of these actions in 2013. Canadians are also sending out a strong signal that less money will be going toward major purchases in 2013, with 44 per cent reporting they will spend less on big ticket

items such as cars, household appliances or vacations. This is consistent with findings released earlier this month that Canadians intend to be more frugal this holiday season and that managing their debt is a key priority.

“Canadians may believe brighter days are ahead because they are making resolutions to better manage their finances by reducing debt and curbing spending not because of their outlook on the Canadian economy,” says Richard Goyder, vice-president of personal lending, RBC. “While New Year’s resolutions may start with great intentions and fizzle out later in the year, setting out a plan to reduce your debt, keep it under control and save more for that rainy day will help keep you on track.”

C O N T i N u e d O N pa G e 8 2 . . .

g e t t i n g y o u r f i n a n c e s i n o r d e r

RBC CaNadiaN CONsumeR OuTLOOk

Canadians resolve to better manage their finances in 2013:


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The most recent Economic and Fiscal Update issued by the federal government in November estimated that Canada’s real GDP will grow by two per cent in 2013. RBC Economics is currently forecasting the Canadian economy will grow by 2.4 per cent in 2013.

“The Canadian economy has been growing at a rate close to its long-run potential,” says Craig Wright, senior vice-president and chief economist, RBC. “However, we will have a sharper picture of Canada’s future growth prospects when the U.S. addresses the fiscal cliff and European policy makers can move the Eurozone out of recession and address fiscal and financial market imbalances.”

Top 10 Financial Tune-up Tips For 2013» Reduce youR debt: If you are among the 31 per cent of Canadians who plan to focus on reducing debt next year, you can start off by paying down debts which have the highest interest charges first.

» consolidate youR debt: To make all your debts easier to manage and pay down, talk to a financial advisor about consolidating your debts. Combining multiple payments into one loan can help make it easier to manage your debt and you may even reduce your interest costs and be able to pay down your debt sooner.

» budget foR the yeaR ahead: Having your own budget allows you to manage your expenses, pay down debts and save for future goals. If you don’t have a budget, set one up for the new year; if you already have one, the beginning of a new year is a good time to do a budget review. You can get in-

Looking ahead, one-in-three canadians (31 per cent) are planning to focus on reducing their debt, 26 per cent on spending less, 25 per cent on saving or investing more, and another 20 per cent intend to take all of these actions in 2013.

f i n a n c e s | C O N T I N U E D

person budgeting advice any time of the year from a financial planner at your local bank branch; there are also online resources to help you get started.

» Make youR cRedit caRd woRk foR you: Credit cards can help you keep track of your expenses and also earn valuable rewards more quickly, but whenever you use your credit cards, do so wisely – pay off your full balance before the due date each month.

» have an eMeRgency fund: Unexpected expenses can catch you off-guard throughout the year. An emergency fund can help you take care of unplanned costs without straining your budget.

» coMpaRe loans to lines of cRedit: If you are planning a major expense in the new year (buying a car, renovating your home, investing in your RRSP), explore whether a loan or a line of credit will work best to help you manage that expense.

» About to buy A home? Get pre-Approved for A mortGAGe: To get a better idea of your price range before you buy your first home, apply for a pre-approved for a mortgage, with professional advice that will help you understand the long term costs and choose the right mortgage option to suit your needs.

» Review youR investMents: The start of any new year is a good time to review the mix of assets in your investment portfolio and to recheck your risk profile, to see if you need to make any adjustments.

» use all youR incoMe tax deductions: Remember to pay all tuition fees, investment management fees, accounting and legal fees if deductible, safe deposit box fees, childcare expenses, alimony, medical expenses and any business expenses by Dec. 31 of the year, if you want to deduct them on that year’s tax return.


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9 THE BRICKYARD DEVELOPER: Melcor Developments BUILDER: Sarasota LOCATION: Bellerose Drive east of Brick Place on Oak Vista Drive

10 GREYSTONE MANOR DEVELOPER: VIP Development Group Of Companies BUILDERS: Open LOCATION: North on St. Albert Trail and turn right onto Coal Mine Road

11 UppER MANOR pOINTE DEVELOPER: Upper Manor Pointe BUILDERS: Open LOCATION: Corner of Coal Mine Road & Starkey road

1 RH ESTATES IN KINGSWOOD DEVELOPER: Canterra Developments Corp. BUILDERS: Open LOCATION: Poirer Ave, just off Sir Winston Churchill Ave.

2 pINNAClE RIDGE ESTATES DEVELOPER: Pinnacorp Investments Inc. BUILDERS: Homes by Design Innovation Inc., Heredity Homes, Davery Consulting & Custom Homes, Marco Antonio Homes, Kingsgate Homes Master Builder, Ironstone Homes, Alves Construction Inc., Caliber Master Builder Ltd., SamTon Homes Ltd., Open LOCATION: Sturgeon Road to Starkey Road and Bellerose Drive

3 lACOMBE pARK ESTATES DEVELOPER: Genstar Development Co. BUILDERS: Gannet Homes Master Builder, Newview Homes LOCATION: Giroux Rd. & Lacombe Dr.

4 NORTH RIDGE DEVELOPER: Genstar Development Co. BUILDERS: ReidBuilt Homes, Sarasota Homes, Daytona Homes Master Builder, Homexx Homes, Ironstone Homes, C2 Homes, San Rufo Homes LOCATION: Northridge Dr. and Giroux Rd.

5 ERIN RIDGE DEVELOPER: Qualico Communities BUILDERS: Daytona Homes Master Builder LOCATION: Coal Mine Road and Everitt Drive.

6 THE MANORS OF OAKMONT DEVELOPER: Melcor Developments Ltd. BUILDERS: Sarasota Homes, Homes by Lenden LOCATION: Bellerose Drive to Oakridge Drive to Otter Crescent

7 THE ElEMENTS OF ERIN RIDGE DEVELOPER: Landrex BUILDERS: Bedrock Homes, Daytona Homes Master Builder, Parkwood Master Builder, Gannet Homes Master Builder, 4 Pillar Homes LOCATION: Directly adjacent and north of Erin Ridge off Coal Mine Road.

8 RIVERSTONE pOINTE DEVELOPER: Riverstone Pointe Inc. BUILDERS: Heredity Homes, Homes By Design Innovations, Marco Antonio Homes, Kingsgate Homes Ltd Master Builder, Audie Benson Estate Home LOCATION: Sturgeon Road to Starkey Road, Right on Trestle Ridge Road

st. albert

83

Show Home Locations

The Elements of Erin Ridge North 10 Executive Way North, St Albert780-733-7920Harvest Ridge – Single Family188 Harvest Ridge Dr., Spruce Grove780-733-7922Harvest Ridge – Rear Parking Lane11 Hewitt Circle, Spruce Grove780-733-7923North Ridge133 Northridge Dr., St. Albert780-733-7921Southfort Estates9 Greenfi eld Bend, Fort Saskatchewan780-733-7924Southfort Meadows404 Meadowview Drive NorthFort SaskatchewanSpruce Ridge GardensUnder constructionSpruce GroveWest Haven Park2 New Showhomes Opening 2013Leduc

Showhome Hours: Mon-Thur 3-8pm, Weekends & Holidays: 12-5pm

Offi ce: 780.489.3028 [email protected]

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c o m m u n i t y p r o f i l e

Genstar presents North Ridge: The country side to city living

Welcome to the neighborhood of North Ridge, where residents can enjoy all the benefits of big city amenities, while still experiencing the simple pleasures of a small town

atmosphere. “Dixon’s Pond creates a social centre by allowing a place where children can explore and adults can relax.” This Genstar Community boasts coveted lakeside locations and convenient access to Ray Gibbons Drive and the Anthony Henday – plus the city of Edmonton is only a quick drive away. Situated just minutes from

downtown St. Albert, this thriving neighborhood features a picturesque landscape filled with scenic walking trails, charming parks and a natural tree stand that creates a peaceful environment.

Residents of North Ridge will enjoy all that the city of St. Albert has to offer. Three quality school systems, including public and catholic schools, are available. The business community in St.Albert is well established, and the city is filled with prosperous local businesses as well as reputable national brand service and retail outlets, such as Wal-Mart.


c o m m u n i t y p r o f i l e

There are an abundance of features and amenities around North Ridge - and they are all just a few minutes away! Restaurants, banks, a hospital, and shopping outlets such as St. Albert Centre Mall are all nearby. Servus Place offers residents a state of the art activity center that features a 2,000-seat performance arena, two regulation NHL-sized ice sheets, a water play park, fitness and wellness studios, a four lane running track, and much more.

For over 50 years the Genstar Development Company has been pursuing its vision “to stand out from the crowd, whether measured by fairness, integrity, professionalism, or achievement in building financial value”. Genstar is known as a company that consists of professionals in the industry who share the organizations’ culture and key values. With numerous successful developments found across both Canada and the United States, home buyers can be confident that North Ridge has been developed to the highest of standards. The neighbourhood is carefully planned and built to create a neighbourhood for families to call home.

The exceptional development features quality home builders, including San Rufo Homes, Ironstone Builders, C2 Homes, Homexx Homes, and Vista Homes. With such a great variety of homes to choose from, buyers are sure to easily find a home that suits their personal and family needs. North Ridge offers single-family front attached

homes built in the traditional St. Albert style that start in the $415’s, in a range of sizes.

For more information or to learn more about the community of North Ridge call 780.484.4366, or visit www.genstar.com. Show homes are located throughout the community and are open Monday to Thursday 3pm-8pm. Saturday, Sunday and Holidays from noon to 5pm.

Situated just minutes from downtown St. Albert, this thriving neighborhood features a picturesque landscape filled with scenic walking trails, charming parks and a natural tree stand that creates a peaceful environment.

780.484.4366 • genstar.com

You won’t want to leave our showhomes.The perfect blend of city and country living.

Visit our St. Albert Community

New Showhomes by:C2 Homes 780.934.4979Homexx Homes 780.472.3307Ironstone Homes 780.458.9515San Rufo Homes 780.569.5122

Northwest St. Albert is home to the vibrant, maturing neighbourhood of North Ridge. Minutes from downtown St. Albert, North Ridge offers walking trails, parks and natural tree stands. Both naturalized storm lakes are surrounded by walkways with viewing plazas overlooking the lakes.

St. Albert residents already know the benefits of this close-knit City; a family-friendly place built from a proud town heritage. The City of St. Albert is exceptionally well planned and offers three quality school systems, community walkways, a variety of lifestyle activities for youth and adults, as well as a prosperous business community.

Visit showhomes by C2 Homes, Homexx Homes, Ironstone Homes, Reid Built Homes and San Rufo Homes for more information on their home models.

With easy access via Ray Gibbon Drive, low interest rates, excellent choice of builders and great selection of lots, there has never been a better time to make your move to the family friendly community of North Ridge – Visit our showhome builders today!

Come visit the family-friendly community of North Ridge


780.484.4366 • genstar.com

You won’t want to leave our showhomes.The perfect blend of city and country living.

Visit our St. Albert Community

New Showhomes by:C2 Homes 780.934.4979Homexx Homes 780.472.3307Ironstone Homes 780.458.9515San Rufo Homes 780.569.5122

Northwest St. Albert is home to the vibrant, maturing neighbourhood of North Ridge. Minutes from downtown St. Albert, North Ridge offers walking trails, parks and natural tree stands. Both naturalized storm lakes are surrounded by walkways with viewing plazas overlooking the lakes.

St. Albert residents already know the benefits of this close-knit City; a family-friendly place built from a proud town heritage. The City of St. Albert is exceptionally well planned and offers three quality school systems, community walkways, a variety of lifestyle activities for youth and adults, as well as a prosperous business community.

Visit showhomes by C2 Homes, Homexx Homes, Ironstone Homes, Reid Built Homes and San Rufo Homes for more information on their home models.

With easy access via Ray Gibbon Drive, low interest rates, excellent choice of builders and great selection of lots, there has never been a better time to make your move to the family friendly community of North Ridge – Visit our showhome builders today!

Come visit the family-friendly community of North Ridge


ST. ALBERT

SPRUCE GROVE


As soon as possible… notify individuals, companies and institutions that your address will be changing, either by phone or by mailing the change-of-address cards from your post office. The following checklist will serve as a convenient reminder:

Changing Your Address?Plan Ahead… There Always is the Chance That Something May be Overlooked!

❏ Accountant

❏ Alumni Association

❏ Attorney

❏ Banks

❏ Catalog Merchants

❏ Credit Cards

❏ Dentist

❏ Driver’s License

❏ Employers

❏ Frequent Flyer Program

❏ Insurance Companies

❏ Investment Companies

❏ Lending Institutions

❏ Magazine / Newspaper Subscriptions

❏ Physicians

❏ Place of Worship

❏ Revenue Canada

❏ Stockbroker

❏ Veterinarian

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AREA INFO• PoPulation: 21,500.• located: 11 km west of

Edmonton on Hwy 16 or 16A.• ScHoolS: 9 Public & Separate

Schools.• Grocery: 11 Grocery/

Convenience stores, Safeway, IGA Garden Market, The Real Canadian Superstore & Walmart.

• recreational FacilitieS: Twin Ice Arena, Curling Rink, Golf Course, TransAlta Tri Leisure Centre, many soccer fields and baseball diamonds.

• Medical FacilitieS: Member of the West View Regional Health Authority with almost 50 Medical & Dental practitioners.

• ParkS & PatHwayS: 15+ km of pathways spread throughout 230 hectares of natural & developed park space.

7 Parkland villaGe DEVELOPER: Parkland Village BUILDERS: Country Hills Homes LOCATION: Yellowhead Trail West To Century Rd, North 2 min.

8 HawtHorne at HeatHerGlen DEVELOPER: Qualico Communities BUILDERS: Alquinn Homes, City Homes. LOCATION: North of Hwy 16A on Jennifer Heill Way, East on Hawthorne Gate

9 SPrinGate at SPruce ridGe DEVELOPER: Qualico Communities BUILDERS: Sterling Homes, Sterling Squared, Alquinn Homes LOCATION: On Campsite Rd. West of Tri-Leisure Center

10 GreenBury DEVELOPER: Beaverbrook Developments BUILDERS: Western Living Homes, Dolce Vita Homes, Alquinn Homes, Celico Homes, MacLachlan & Mitchell Homes LOCATION: Grove Drive & Pioneer Road.

11 MclauGHlin DEVELOPER: Melcor Developments BUILDERS: Bedrock Homes, Look Homes, Pacesetter Homes LOCATION: Westgrove Drive and McLaughlin Drive.

1 HilldownS DEVELOPER: Robson Developments Ltd. BUILDERS: Challenger Homes LOCATION: Grove Drive & King Street

2 vanderBuilt coMMon DEVELOPER: SG Developments BUILDER: MacLachlan & Mitchell Homes LOCATION: Century Rd & Viscount Common

3 StoneSHire DEVELOPER: Melcor Developments Ltd. BUILDERS: Canyon Spring Master Builder, Stonegate Developments, Western Living Homes. LOCATION: Longeview Drive & Fairway Drive

4 HarveSt ridGe DEVELOPER: Lamont Land Inc. BUILDERS: Homexx Corporation, Dolce Vita Homes, Parkwood Homes Master Builder, Montorio Homes LOCATION: Campsite Rd. & Grove Dr.

5 SPrucE villaGe DEVELOPER: Beaverbrook Developments BUILDERS: Alquinn Homes, Cove Properties, Hillview Homes, Open LOCATION: Century Road & Grove Dr.

6 JeSPerdale DEVELOPER: Jesperdale Communities BUILDERS: ReidBuilt Homes, Encore Master Builder, Look Homes, Kimberley Homes LOCATION: North of Grove Drive.

12 HillS oF twin lakeS DEVELOPER: Dyrbye Developments Ltd. BUILDERS: Open LOCATION: 2 miles North of Yellowhead Trail on highway 779 & 1.5 miles West on twp road 534

13 deer Park eStateS DEVELOPER: Broadview Developments Inc. BUILDERS: Rococo Homes, Alta Rose Homes, Evani Homes, Lang Built LOCATION: Grove Drive and Jennifer Heil Way

14 kenton villaGe DEVELOPER: Beaverbrook Developments BUILDERS: Alquinn Homes, and Urbanage Homes LOCATION: Century Road, South of Highway 16 at Vanderbilt Common

15 tHe woodS at kenton DEVELOPER: Beaverbrook Developments BUILDERS: Alquinn Homes, and Hillview Master Builder LOCATION: Century Road, South of Highway 16 at Vanderbilt Common

16 PreScott DEVELOPER: Beaverbrook Developments BUILDERS: Averton Homes & MacLachlan & Mitchell Homes LOCATION: Grove Drive, East of Century Road

As Alberta’s 11th city, Spruce Grove is your city in the “country”. The place to live....naturally.for more information call (780) 962-7612 or visit our website at www.sprucegrove.org

91

Quiet Living by the Lake | CuL-De-SaC PRivaCy | PaRkLanD’S MOSt beautiFuL neW SubDiviSiOn

LAKESIDE NATURAL WALKOUT LOTS

OPEN SPACE &

PEACEFUL LIVING

.comFor More Information:780-910-8606

or see website www.HillsofTwinLakes.com

SPRUCE GROVE


*Visit showhome for details.

OWNING YOUR OWN HOME FOR LESS THAN $1200/MONTH IS POSSIBLE*

For more information visit www.macmitch-homes.com

10 Greenbury Close at the end of Grove Drive

Call [email protected]

• 1432 sq. ft. 2 storey duplex • 3 bedroom, 2 1/2 baths• 4 appliances • Hardwood fl ooring, • Granite countertops, • 9’ ceilings• Energy effi cient features• Cultured stone

from low $300’s

Include house, lot & GST

Include house, lot & GST

Show home models starting

Starting @ $269,900

• 3 bedroom• 2 1/2 baths• Landscaping• Back deck• Gas fi replace• 4 appliances• Attached garage• Walkouts available

19-85 Spruce Village Drive WSPRUCE GROVEMon-Thurs 4-8pm Sat/Sun Noon-5pm

GREENBURY

VANDERBILT

Contact us today

[email protected]

93

SPECIAL

PROMOTION

ON NOW

According to BMo’s first Housing Confidence Report, nearly half of Canadian homeowners (46 per cent) intend to buy a property in the next five years, signalling a high level of confidence in Canada’s housing market. However, the report points out that a modest increase in prices would derail plans to buy.

Meanwhile, three-quarters (72 per cent) of households would feel a sig-nificant strain if they were to experi-ence a modest increase in monthly mortgage payments, such as one caused by an increase in interest rates.

The report, conducted by Pollara, reflects the sentiment of Canadian homeowners after the new mortgage

RePoRT sHows Canadians Have

confidence in housing market

regulations introduced by the Federal Government came into effect in July 2012.

“The fact that 46 per cent of Canadian homeowners intend to buy a property in the next five years implies that Canadians are feeling confident in the current real estate market environment,” says Martin nel, vice-president of lending and investments, BMo Bank of Montreal.

“However, that certainty is tempered, given the adverse effect moderate increases in home prices and mortgage costs would have on the average homeowner.”

sal Guatieri, senior economist, BMo Capital Markets, says “rising debt and elevated house prices have increased the vulnerability of a meaningful number of households, and their financial situation will worsen if interest rates increase even moderately.” He says that with rates likely to remain low for some time, the recent tightening in mortgage rules will help to cool credit growth and the housing market.

C o n T i n u e d o n Pa G e 9 6 . . .

i n t h e n e w s


6 SPRING LAKE RANCHDEVELOPER: Wilcor Development GroupBUILDERS: Wilcor Homes, OpenLOCATION: Spring Lake Exit off of Hwy 16A & Range Road 15

7 SOUTHCREEKDEVELOPER: Qualico CommunitiesBUILDERS: Pacesetter Homes, Alquinn Homes SHOWHOMES NOW OPEN, LOCATION: South of Fairway Drive & West of Boundary Road

8 THE ESTATES AT WATERS EDGE DEVELOPER: Waters Edge Developments BUILDER: Waters Edge DevelopmentsLOCATION: Only 20 mins West of Stony Plain On Hwy 43 at Gunn & Just 35 mins West of St. Albert on Hwy 37 located on the North Shore of Lac Ste Anne

9 HILLS OF TWIN LAKESDEVELOPER: Dyrbye Developments Ltd.BUILDERS: OpenLOCATION: 2 miles North of Yellowhead Trail on highway 779 & 1.5 miles West on twp road 534

10 WILLOWS ENDDEVELOPER: Jaffer DevelopmentsBUILDER: Jaffer DevelopmentsLOCATION: 48 Street and Willow Park Road North

1 THE FAIRWAYSDEVELOPER: Reid Worldwide Corporation BUILDERS: ReidBuilt HomesLOCATION: Fairway Drive

2 GENESIS ON THE LAKES DEVELOPER: Unitech Construction Services Ltd.BUILDERS: Ashton Homes, Caribbean Homes, Fox Maple Homes, Innova Homes, Sierra Homes, Stellar Homes LOCATION: South off highway 16A onto Highway 779 (also known as 48 Street)

3 LAKE WESTERRADEVELOPER: Qualico CommunitiesBUILDERS: Coventry Homes, Sterling HomesLOCATION: Golf Course Rd. & 79 Ave.

4 BROOKVIEWDEVELOPER: Qualico CommunitiesBUILDERS: ReidBuilt HomesLOCATION: South Park Dr. & 46 Ave.

5 SILVERSTONEDEVELOPER: Qualico CommunitiesBUILDERS: ReidBuilt HomesLOCATION: South on Boundary Rd at 44th Ave.

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AREA INFO• POPULATION: 10,544 and

Growing.• LOCATED: 20 km west of

Edmonton on Hwy 16A• SCHOOLS: 4 Kindergarten to grade

nine, Senior high, French Immersion & including 2 Religious schools.

• GROCERY: Extensive with new Big Box National Outlets 2 km to the east of town.

• RECREATION FACILITIES: New tri-municipal recreation complex east of town. 18 hole CPGA Championship Golf Coarse, curling, skating, library, Municipal Heritage Centre, Heritage Walk of Murals.

• MEDICAL FACILITIES: New 70 bed acute & extended care hospital. Full ambulance services. 3 Medical Clinics.

• PARKS & PATHWAYS: Extensive, including 12 km of pathways, watercourses & Lions campground.

PUBLIC SCHOOLS• FOREST GREEN

5210 - 45 Street963-7366 [1]

• HIGH PARK40 Highridge Way963-2222 [1] [2]

• MEMORIAL COMPOSITE5116 - 55 Avenue963-2255 [3]

• MERIDIAN HEIGHTS4119 - 43 Street963-2280 [1][2]

• STONY PLAIN CENTRAL5108 - 55 Avenue 963-2203 [1][2]

SEPARATE SCHOOLS• JOHN PAUL II

5801 - 48 Street963-2526 [1][2]

PRIVATE SCHOOLS • ST. MATTHEW LUTHERAN

5014 - 53 Avenue963-2715

[1] Elementary K-6 [2] Junior High 7-9 [3] High School 10-12

stony plain

95

The reporT also revealed The following:

Homeownership intentions›› GTA, Calgary and Vancouver: Intentions to buy in the

Greater Toronto Area (57 per cent), Calgary (62 per cent) and Vancouver (53 per cent) within five years are outpacing the national average (46 per cent)

›› Size matters: One in five (18 per cent) plan to downsize to a smaller home. The same percentage intends to up-size to a larger home

›› Exit strategy: 10 per cent plan to sell their home and move in to a rental property, retirement community, or move in with family in the same time period

›› Real estate investment: One in five (21 per cent) plan to purchase an additional property for income, invest-ment or recreation

Effect of new regulations on buying intentions›› Just over half (57 per cent) are familiar with the new

mortgage regulations introduced earlier in 2012›› One in five (22 per cent) say they are less likely to buy a

new home in the next five years due to the changes›› Furthermore, 29 per cent planning to buy in the next

five years say that they are likely to spend less on a new home as a result of the new rules

Price sensitivity›› Nationally, intentions to buy drop significantly from 46

per cent to 36 per cent in the event of a five per cent increase in home prices

›› In Ontario, intentions to buy would decrease by 13 per cent (52 per cent to 39 per cent) as a result of a five per cent increase in prices

›› In Alberta, a five per cent increase would change intent to buy by only one per cent; however, a 10 per cent increase would lower intent by nine per cent, moving from 51 per cent to 42 per cent

naTional BC aB MB/sK on QC aTl

+2.0% +0.2% +3.0% +2.3% +2.1% +2.5% +1.7%12 MonTh priCe expeCTaTion

i n t h e n e w s - C O N T I N u E d

›› A five per cent increase in prices in BC would lower intent to buy from 49 per cent to 39 per cent

Price expectations›› Nationally, homeowners in Canada expect prices to rise

by two per cent over the next year›› Across urban centres, those in the GTA expect prices

to rise by 2.2 per cent, while those in Calgary expect an increase of 2.4 per cent

›› However, 27 per cent of Vancouver residents expect prices to decrease in the next year “Given that Vancou-ver is one of the priciest markets in the world, it’s not surprising that many people expect some correction,” says Guatieri. He says that while prices in Alberta should increase in the years ahead, prices in Vancouver and likely Toronto are poised to decline moderately; the Toronto decrease is contrary to the expectations of the majority of residents in the GTA.

Mortgage affordability›› One-third have cut back on big purchases and spending

on entertainment (34 per cent and 31 per cent respec-tively) while one-quarter have reduced the amount they’re saving over the past year to make their monthly mortgage payments

›› 17 per cent have dipped into their savings to make mortgage payments

›› However, while homeowners are nearly unanimous in their view that debt is a serious issue facing Canada (92 per cent), just 19 per cent feel household debt is a problem for them

›› 16 per cent of homeowners say a 10 per cent rise in mortgage payments would leave them at risk of not being able to afford their home


SHOWHOME HOURS: Closed MondayTuesday, Wednesday, Thursday: 3-7pmClosed Friday. Saturday & Sunday 1-5pm

CONTACT OUR BUILDER GROUP:

ASHTON HOMES 780.718.9581

CARIBBEAN HOMES 780.905.0046

FOX MAPLE HOMES 780.963.0288

INNOVA HOMES 780.910.1156

SIERRA HOMES 780.968.1007

STELLAR HOMES 780.968.3127Developer Contact 780.963.1253

STONY PLAIN

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AREA INFO• PoPulation: 2033• located: 10 minutes west of

Leduc on Hwy 39• SchoolS: calmar

elementary School (K-6), calmar Secondary School (7-12), NEw humble(k-7)

• PlaceS of WorShiP: 6 churches,

• recreational facilitieS: Mike Karabonik Arena (1 ice surface), Calmar Community Center(Curling Club)

• ParkS: 6 parks spaced throughout the municipality including water spray park, tot lot, ball diamonds, tennis courts, soccer fields, and skateboard park

• medical facilitieS & diStance/time to hoSPital: Calmar Medical Clinic open 5 days a week), Dentist Clinic. Leduc Hospital located 15 minutes East of Calmar

• time to airPort: 15minutes• toWn of calmar: 750 Calmar, Alberta, T0C-0V0

1 South bridGe croSSinG DEVELOPER: Southbridge Crossing Developments Ltd. BUILDERS: Compass Rose Homes Inc.

London Homes LOCATION: West on Hwy 39 (50th Ave),

Turn south (left) on Westview Drive

2 thomaS creek DEVELOPER: Thomas Creek BUILDERS: OPEN LOCATION: West on Hwy 39 (50th Ave), turn south (left) on Westview Drive

To Edmonton

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48 Ave.

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48 A Ave.

49 Ave.

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2 landinG trailS DEVELOPER: Strata Developments BUILDERS: Rosecroft Homes, Dynasty Builders, Morrow Homes, Open LOCATION: 53 St. & 40 Ave.

1 landinG trail acreaGeS DEVELOPER: Strata Developments BUILDERS: High Grade Homes, Rosecroft Homes, Open LOCATION: 51 St. & Landing Trail Dr.

AREA INFOGibbonS & area SchoolS• GibbonS School

4908 - 51 Avenue 923-2240 [Gr. 5-9]

• SturGeon comPoSite hiGh School On Hwy. 37, one km. east of Hwy. 28 973-3301 [Gr. 10-12]

• landinG trail School 5325 - 37 Avenue 923-2899 [Gr. K-4]

• redWater School 5023 - 50 Avenue 942-3625 [Gr. 5-12]

N

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AREA INFO MORNINGVILLE AREA PUBLIC SCHOOLS• GEORGES H. PRIMEAU

JR. HIGH SCHOOL 811 Grandin drive 939-3593 (2)

• GEORGES P. VANIER ELEMENTARY 10020-101 avenUe 939-4285 (1)

• MORINVILLE CHRISTIAN SCHOOL 10015-100 avenue 939-2987 (1) (2) (3)

• MORINVILLE COMMUNITY HIGH SCHOOL 9506 - 100 avenue 939-6891 (3)

• NOTRE dAME ELEMENTARY 9717 Morinville drive 939-4020 (1)

[1] Elementary K-6[2] Junior High 7-9[3] High School 10-122 THE LAkES

DEVELOPER: landrex developers BUILDERS: landmark Homes, dynasty

Homes, reid Built Homes LOCATION: 100 avenue then north on Grandin drive

3 MONTREUX DEVELOPER: Qualico Communities BUILDERS: Maxxwood Homes LOCATION: 100 avenue then north

on Grandin drive

1 VILLAGE CHAMPLAIN DEVELOPER: Brookhaven developments BUILDER: Brookhaven developments, Celebration Homes LOCATION: 100th Street & 105th avenue

Mor

invil

le Dr.

97A Ave.

105 Ave.

99 Ave.

100 Ave.

100

St.

Hw

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101 Ave.

95 Ave.

95 S

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Cardiff Rd.

10 min.to St. Albert

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AREA INFO• POPULATION: 6,361 and grow-

ing.

• LOCATEd: along the banks of the scenic north Saskatchewan river, 15 minutes southwest of edmonton on Highway 60, 10 minutes from the international airport.

• SCHOOLS: 3 Public schools, 1 Christian school & 1 Catholic school.

• GROCERY: Garden Market iGa,extra Foods

• RECREATIONAL FACILITIES: arena, outdoor Swimming Pool, Ball diamonds, Soccer Fields, Golf Course, Campground, Tennis Courts, and Community Centre.

• MEdICAL FACILITIES: Hospital, 2 Medical Clinics, and local ambulance.

• PARkS & PATHwAYS: numerous Parks, Walking, Biking and Cross Country Ski Trails.

1 THE RAVINES OF dEVON DEVELOPER: Qualico Communities BUILDERS: open LOCATION: South on Michigan

Street, left on ravine drive

2 FAIRFAX LANE DEVELOPER: alldritt land Corporation lP BUILDERS: alldritt Homes LOCATION: South on Miquelon, left on erie St., and left on Fairfax Close

99

Alldritt Homes www.alldritthomes.com

Artisan Homes Inc. www.artisancommunities.ca

Beattie Homes www.beattiehomes.com

Bedrock Homes www.bedrockhomes.ca

Brookfield Homes www.buildwithbrookfield.com

Caliber Master Builder www.calibermasterbuilder.ca

Cameron Homes Inc. www.cameronhomes.ca

Canyon Spring Master Builder www.canyonspringhomes.com

Carriage Signature Homes www.carriagesignature.com

Celebration Homes www.celebrationhomes.ca

Celico Builders Inc. www.celicobuilders.ca

Challenger Homes www.challengerhomes.com

Cobblestone Master Builder www.mycobblestone.ca

Concept Homes www.concepthomes.ca

Compass Rose Homes Inc. www.compassrose.ca

Country Hills Home Sales www.countryhillshomes.com

Coventry Homes www.coventry-homes.com

Darren’s Homes www.darrenshomes.com

Daytona Homes Master Builder www.daytonahomes.ca

Dolce Vita Homes LP www.dolcevitahomes.ca

Effect Home Builders www.effecthomes.ca

Encore Master Builder www.encoremasterbuilder.com

Fekete Homes www.feketehomes.ca

Green Living Homes www.greenlivinghomes.ca

Gannet Homes Master Builder www.gannethomes.com

Greenboro Homes www.greenborohomes.com

Homes by Avi www.homesbyavi.com

Homes by Santos Construction www.santoshomes.ca

Homexx Corporation www.homexx.ca

Impact Homes www.impacthomes.ca

Innovations by Jayman www.jayman.com

Home Builders

webdirectory


Jayman MasterBUILT www.jayman.com

Kanvi Homes www.kanvihomes.com

Kensington Homes Master Builder www.KensingtonCustom.com

Kimberley Homes www.buildwithkimberley.ca

Kingsgate Homes Ltd Master Builder www.kingsgatehomes.ca

Landmark Classic Homes www.landmarkclassic.ca

Landmark Communities www.landmarkcommunities.ca

Landmark Homes www.landmarkhomes.ca

Landmark Legacy Homes www.landmarklegacy.ca

Lincolnberg Homes / Communities www.lincolnberg.com

MacLachlan & Mitchell Homes www.macmitch-homes.com

Maple Isle Homes www.mapleislehomes.ca

Marco Antonio Homes www.marcoantoniohomes.com

Montorio Homes www.montorio.ca

Pacesetter Homes www.yourpacesetter.com

Parkwood Master Builder www.parkwoodmasterbuilder.com

Perry Signature Homes Inc. www.perryhomes.ca

Pompei Homes www.pompeihomes.com

ReidBuilt Homes www.reidbuilthomes.com

Rococo Homes www.rococohomesinc.ca

Rohit Communities www.rohitcommunities.com

Rosecroft Custom Homes www.rosecroftcustom homes.com

Sabal Homes www.sabalhomes.com

San Rufo Homes www.sanrufohomes.com

S2 Squared by Sterling Homes www.sterlingsquared.ca

Sterling Homes Edmonton Ltd. www.sterlingedmonton.com

Thomsen Built www.thomsenbuilt.com

Urban Living by Landmark www.landmarkurban.ca

Urbanity Custom Homes Ltd. www.urbanityhomes.com

Walker Developments www.walkerdevelopments.ca

White Eagle Homes Ltd www.whiteeaglehomes.ca

web directory

Accessible, Affordable, Sustainable,Comfortable Home Ownership

rEVOLUTION

JOIN THE LANDMARK


Allard in Heritage Valley by MLC Group / JCA Financial www.allard.caAllard Heritage Valley by United Communities www.allardheritagevalley.caAlpine Ridge in Terrace Heights www.alpine-ridge.ca Ambleside in Windermere www.amblesidewindermere.caBeaverbrook Developments www.beaverbrook.caBrintnell www.brintnelledmonton.comBrookfield Residential www.brookfieldrp.comCallaghan by Rohit Land Development www.liveincallaghan.comCallaghan In Heritage Valley by MLC Group / JCA Financial www.callaghan-edmonton.caCameron Heights www.cameronheights.comCanada Lands Company www.villageatgriesbach.comCanterra Developments Corp. www.canterradevelopments.comChappelle Gardens www.chappellegardens.comCopperwood in the Hamptons www.copperwood-edmonton.comCreekwood Chappelle www.creekwoodchappelle.comDundee Developments www.dundeedevelopments.comEllerslie Heights by United Communities www.ellerslieheights.caErin Ridge www.erinridgestalbert.comForest Ridge www.forestridgefortsask.comFoxboro www.foxborosherwoodpark.comGenstar Development Company www.genstar.comGlenridding by United Communities www.glenridding.caGranville by Alldritt Land Corporation www.mygranville.comGoudreau Terrace www.goudreauterracebeaumont.comGriesbach by Canada Lands www.villageatgriesbach.comHampton Pointe by Beaverbrook www.hamptonpointe.caHampton Terrace www.hamptonterraceedmonton.comHawks Ridge at Big Lake www.hawksridge.caHills of Twin Lakes www.hillsoftwinlakes.comHopewell Residential Communities www.hopewellcommunities.comLakeWesterra www.westerrastonyplain.comLangdale in Windermere www.langdale-windermere.comLarch Park by Melcor Developments www.larchpark.caLaurel Crossing www.laurel-crossing.comLaurel by Dundee Developments www.livelaurel.comMaclab Enterprises www.maclab.comMaple Crest by Dundee Developments www.livemaplecrest.caMcConachie Landing by MLC Group/Cameron Dev Corp www.mcconachie-landing.comMcConachie by Walton Development & Management L.P. www.mcconachie.caMeadowview Park www.meadowviewparkleduc.comMelcor Developments Ltd. www.melcor.caMLC Group www.mlcland.comMontalet by United Communities www.montalet.caMorningside Properties www.mymorningside.comMontreux www.montreux-morinville.comNewcastle www.newcastle-edmonton.comONE at Windermere www.oneatwindermere.com

Developers/Communities

web directory

www.chappellegardens.com

Gardens


Related BusinessCanadian Home Builders’ Association - Alberta www.chbaalberta.caEdmonton Custom Decks www.edmontoncustomdecks.comEdmonton New Home Information www.new-home.comEdmonton New Home Guide www.hometrader.caShanes Landscaping and Contracting Ltd. www.shaneslandscaping.comUDI Edmonton www.udiedmonton.com

Palisades by MLC Group www.palisades.caQualico Communities www.qualicolandedm.comRavines of Devon www.theravinesofdevon.com Ravines of Richford by Rohit Land Development www.ravinesofrichford.comReid Worldwide Corporation www.rwwc.caRuisseau www.ruisseau-beaumont.comRutherford www.rutherfordheightsedmonton.comSecord by Hopewell Developments www.liveinsecord.comSienna www.sienna-fortsask.comSilverstone www.silverstone-stonyplain.comSouthcreek www.southcreek.caSouth Pointe by MLC Group www.south-pointe.caSpring Lake Ranch www.springlakeranch.caSpringate at Spruce Ridge www.springatesprucegrove.com Spruce Village by Beaverbrook www.sprucevillage.caStrata Developments www.stratadevelopments.caSummerside by Brookfield Residential www.lakesummerside-community.comSummerwood www.summerwoodsherwoodpark.comSuntree www.liveinsuntree.caTamarack by Dundee Developments www.livetamarack.comThe Estates at Waters Edge www.WatersEdgeEstates.caThe Orchards www.theorchards.caThomas Creek www.CalmarThomasCreek.comTribute www.tributeleduc.comTrumpeter by United Communities www.trumpeterbiglake.caTuscany Hills by United Communities www.tuscanyhills.caUnited Communities www.unitedcommunities.comUpper Windermere by Beaverbrook www.upperwindermere.comWalker Lakes North by MLC Group / Cameron Dev Corp www.walkerlakes-north.comWalker Lakes Station by MLC Group / JCA Financial www.walkerlakes-station.caWalker Summit by United Communities www.walkersummit.comWalton Development and Management L.P. www.waltondm.comWindermere North www.windermere-north.caWindermere Ridge by Beaverbrook www.windermereridge.caWindermere South www.windermere-south.caWindrose www.liveinwindrose.caWoodhaven - Edgemont www.woodhavenedgemont.com

webdirectory

YOUR PERFECT HOME!

www.villageatgriesbach.com


01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

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

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

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

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

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

1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFYFOR A MORTGAGE ON YOUR DREAM HOME

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

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 PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

AMOUNT OF MORTGAGE(PRICE – DOWN PAY-

MENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT

h o m e b u y e r s ’ h e l p


MORTGAGE INTEREST RATES

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-RATIO: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 flexibility, 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 flexible 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.

ATB Financial 3.000 4.000 3.100 3.140 3.700 4.390 3.690

Bank of Montreal 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bank of Nova Scotia 3.100 4.550 3.650 3.890 3.990 4.390 4.990

BMO 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bridgewater Bank - - 3.240 3.390 3.150 3.570 3.200

CIBC Mortgages 3.200 4.450 3.000 3.140 3.700 4.390 5.240

Canadian Western Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Canadian Western Trust 3.200 4.000 3.100 3.140 3.700 4.640 5.240

First Calgary Financial - 4.000 2.390 3.140 2.990 3.290 3.290

First National Financial 3.000 3.950 2.740 2.690 2.890 3.150 3.090

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.240

ING Direct 3.000 - 3.250 3.250 3.250 3.250 3.090

Investors Group Trust 3.000 4.000 3.100 3.140 3.700 4.640 5.240

Laurentian Bank Canada 3.200 4.400 3.090 3.140 3.700 4.640 5.240

London Life 3.000 4.000 3.100 3.140 3.700 4.640 5.240

Manulife Bank 3.000 4.450 3.000 3.100 3.150 3.150 2.950

Manulife Trust - 4.450 3.000 3.100 3.150 3.150 2.950

Meridian Credit Union 2.850 4.450 3.100 3.140 3.700 3.400 3.280

National Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Peace Hills Trust - 4.500 3.100 3.350 3.700 3.850 3.950

President’s Choice Fin’l 3.200 6.040 3.140 3.200 3.240 3.350 3.440

Royal Bank of Canada 3.200 4.000 3.100 3.140 3.650 4.640 5.240

Servus Credit Union - 4.000 3.100 3.140 3.700 4.390 5.240

T-D Mortgage 3.200 4.000 3.000 3.140 3.700 4.640 5.240

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

PREPARED BY CANNEX ON DECEMBER 10, 2012. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2012 CANNEX Financial Exchanges Limited. All rights reserved.


Visit Our ShowhomesOpen from 3-8pm Mon-Thurs, 12-5pm Sat & Sun Closed Friday, Holiday Hours 12-5pm

Prices include home, lot & net GST. Some terms and conditions apply. Please contact Area Manager for more details. ‡Promotional vehicle is a 2013 Hyundai Accent 4 door L 6 MT. Value of promotional vehicle may be put towards any Hyundai model. Vehicle may not be exactly as illustrated.. Delivery and Destination charge and GST paid by purchaser. Contact Area Manager for full details. Offer ends January 31, 2013.

WEST

Hampton PointeHomes from $321,00020308 44 Ave780.756.1038

SOUTHWEST

Windermere SouthHomes from $331,0001026 + 1022-177 A St.780.756.2635

SOUTHEAST

Willow HavenHomes from $331,2755624 7th Ave SW587.520.0937

SOUTHEAST

Laurel CrossingNOW OPEN!Homes from $326,8003132 + 3128 17 Street587.520.0374

NORTHWEST

PalisadesHomes from $320,500 13716 165 Ave NW780.757.3506

LEDUC

RobinsonHomes from $282,000605 Reynalds Way780.980.8506

WEST

GranvilleHomes from $390,9003616 Goodridge Cres.780.761.3722


SOUTHWEST

Windermere NorthHomes from $444,000391+389 Windermere Rd. 780.761.2211

Ambleside in WindermereHomes from $439,000759 Adams Way SW780.757.5880

SOUTHWEST

Windermere SouthHomes from $342,0001017-177A Street780.756.2635

CreekwoodHomes from $381,000411 + 413 Chappelle Dr. SW780.756.1853Open Mon-Thurs: 2-8 pm

SOUTHEAST

Aurora at Walker LakeNOW OPEN!Homes from $402,0003103 + 3105 Winspear Cres.587.520.0935

SOUTHEAST


NORTHWEST

PalisadesHomes from $388,00013716 165 Ave NW780.757.3506

NORTHEAST SchonseeHomes from $386,9005495 + 5497 Schonsee Dr.North of 167th Ave, East of 82nd Street

780.457.1956

ST.ALBERT

The Elements at Erin Ridge N.Homes from $418,00052 Everitt Drive780.756.2018

LEDUC

SuntreeHomes from $342,00013 Selkirk Place780.980.8528


SPRUCE GROVE

McLaughlinHomes from $370,000 164 McLaughlin Drive780.571.1731

DUPLEXES

FINAL SELL OFF!The Fields of SummersideHomes from $428,000Call 780.469.2525

Carlton ParkHomes from $427,000Call 780.757.3506

SINGLE FAMILY HOMES

www.bedrockhomes.ca

Come Home to Bedrock!BEDROCK HOMES’

GIFT TO YOU ...

A BRAND NEW HYUNDAI ACCENT

FOR FREE WITH YOUR NEW HOME!‡

Visit a Bedrock Showhome for more details!

Visit Our ShowhomesOpen from 3-8pm Mon-Thurs, 12-5pm Sat & Sun Closed Friday, Holiday Hours 12-5pm

Prices include home, lot & net GST. Some terms and conditions apply. Please contact Area Manager for more details. ‡Promotional vehicle is a 2013 Hyundai Accent 4 door L 6 MT. Value of promotional vehicle may be put towards any Hyundai model. Vehicle may not be exactly as illustrated.. Delivery and Destination charge and GST paid by purchaser. Contact Area Manager for full details. Offer ends January 31, 2013.

WEST


SOUTHWEST

Windermere SouthHomes from $331,0001026 + 1022-177 A St.780.756.2635

SOUTHEAST


SOUTHEAST

Laurel CrossingNOW OPEN!Homes from $326,8003132 + 3128 17 Street587.520.0374

NORTHWEST

PalisadesHomes from $320,500 13716 165 Ave NW780.757.3506

LEDUC


WEST

GranvilleHomes from $390,9003616 Goodridge Cres.780.761.3722


SOUTHWEST

Windermere NorthHomes from $444,000391+389 Windermere Rd. 780.761.2211

Ambleside in WindermereHomes from $439,000759 Adams Way SW780.757.5880

SOUTHWEST

Windermere SouthHomes from $342,0001017-177A Street780.756.2635

CreekwoodHomes from $381,000411 + 413 Chappelle Dr. SW780.756.1853Open Mon-Thurs: 2-8 pm

SOUTHEAST

Aurora at Walker LakeNOW OPEN!Homes from $402,0003103 + 3105 Winspear Cres.587.520.0935

SOUTHEAST


NORTHWEST

PalisadesHomes from $388,00013716 165 Ave NW780.757.3506

NORTHEAST SchonseeHomes from $386,9005495 + 5497 Schonsee Dr.North of 167th Ave, East of 82nd Street

780.457.1956

ST.ALBERT

The Elements at Erin Ridge N.Homes from $418,00052 Everitt Drive780.756.2018

LEDUC

SuntreeHomes from $342,00013 Selkirk Place780.980.8528


SPRUCE GROVE

McLaughlinHomes from $370,000 164 McLaughlin Drive780.571.1731

DUPLEXES

FINAL SELL OFF!The Fields of SummersideHomes from $428,000Call 780.469.2525

Carlton ParkHomes from $427,000Call 780.757.3506

SINGLE FAMILY HOMES

www.bedrockhomes.ca

Come Home to Bedrock!BEDROCK HOMES’

GIFT TO YOU ...

A BRAND NEW HYUNDAI ACCENT

FOR FREE WITH YOUR NEW HOME!‡

Visit a Bedrock Showhome for more details!

106-107-Bedrock 12-21-12.indd 107 12/14/12 11:22:07 AM

108-United-Big Lake 12-21-12.indd 108 12/14/12 11:21:08 AM

edmonton new home guide - december 21, 2012

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