gta new condo guide, jan 4, 2014

INSIDE THIS ISSUE

MORTGAGE ANDMONEY MATTERS

YANIC SIMARD TALKS 2014 DÉCOR TRENDS

REAL ESTATE RESOLUTIONS FOR THE NEW YEAR

January 4 - 18, 2014 Volume 18 Issue 01

[ 3-WEEK ISSUE ]

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FOR THOSE IN THE KNOW.

Many of us will be making financially focused New Year’s resolutions, whether the goal is to pay off a debt, save for retirement, or get into the housing market.

Predicting the financial future is tricky, and if you’re planning to buy a new condo, it’s not a good time for guessing games. When it comes to money matters, your best bet is to be prepared for whatever lies ahead with a little advance planning.

While the Bank of Canada says interest rates are staying put for the time being, ensure you’re not caught off guard if (and when) they do rise. Here are some things to keep in mind when shopping for your condo:» Have a realistic view of how much home you can afford by determining your

down payment, household income, debt payments, monthly bills, and the lifestyle you expect to lead.

» Don’t spend the maximum that you’re approved for. Just because you get approved for $700,000 doesn’t necessarily mean you should spend that much. As they say, life happens – a new baby, a change in jobs, or any number of other unexpected circumstances. It’s wise to have some savings set aside, just in case.

» Choose a mortgage with the shortest amortization period possible. Yes, this will increase your monthly payments, but you’ll also save a bundle on interest over the life of your mortgage.

Careful planning, often with the help of a financial adviser, can help ensure you’re well-equipped to deal with any surprises with confidence.

editor’s note

SuSan Leggeeditor-in-chief

Wall2Wall [email protected]

follow me on twitter at twitter.com/susanLegge

Like us on facebook search: condo Guide

Planning for your

financiaL future

Lydia Mcnutteditor

Wall2Wall [email protected]

follow me on twitter at twitter.com/Lydiastweets

The new year is upon us, and it’s shaping up to be a busy one in the real estate market. Before you head out to shop, there’s some initial groundwork you’ll want to do.

Take the time before you begin your search to get pre-approved for a mortgage. Shopping with a pre-approved mortgage not only helps define what you can afford, but it also locks you into today’s low rates for up to 90 days or more. Every little bit helps.

Since the price of a home affects location and so many other factors, the more educated you are on what you can afford, the more peace of mind you will have. Once you have an idea of what your budget will be, compare what you’ll get in different locations. Consider up and coming communities. This is a great way to get your foot in the door, and in a few years when the property appreciates in value – especially if you buy a pre-construction condo – you can then make your move to your dream location.

Once you’ve found the perfect home, ensure that a real estate lawyer reviews the Agreement of Purchase and Sale within the allotted time frame. It can be a costly step to skip otherwise!

Happy New Year, and best of luck in the home hunt.

a neW year, a neW hoMe

002 neW condo Guide january 4 - 18, 2014

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LegaLLy Speaking Jayson SchwarzJayson Schwarz LL.M is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit the website at schwarzlaw.ca or email [email protected].

BiLD RepoRt Bryan TuckeyBryan Tuckey is president and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca).

DeSigneR aDvice Yanic SimardYanic Simard is New Condo Guide’s design editor and the principal designer of the Toronto Interior Design Group, specializing in residential and commercial projects. Simard has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca

conDo pRo Barbara LawlorBarbara Lawlor is president of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas.

vice-pReSiDent, WaLL2WaLL MeDia Jacqueline HilleDitoR-in-chief / DiRectoR of content Susan LeggeDiRectoR of SaLeS, nationaL Josh HeppneraSSociate puBLiSheR SWo neW hoMeS & LifeStyLe coMMunitieS Susan Maxwell aRt DiRectoR Sarah JangeDitoR Lydia McNuttcontRiButing eDitoRS Sara Duck Wayne Karl Elisa KrovblitDeSign eDitoR Yanic Simard

SaLeS ManageR Conni RobinsonSenioR account executive Dionne Fraser [email protected] account executive Nina Downs [email protected]

SaLeS & MaRketing co-oRDinatoR Terry BassettaDMiniStRative aSSiStant Antoinette Jackson

pRoDuction ManageR Bala GnanapandithanpRoDuction co-oRDinatoR Sandra Hanak-VujnovicgRaphic DeSigneRS Caroline Wassef Sandra Hanak-Vujnovic

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

aDveRtiSing Call 416.626.4200 for advertising rates and information. ciRcuLation Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices. copyRight 2014 All rights reserved by Wall2Wall Media. Reproduction in any form is prohibited. Contents of this publication are covered by copyright and offenders will be prosecuted under the law. teRMS Advertisers, editorial content and new condo guide 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. Email to [email protected]. The views and data expressed by columnists do not necessarily represent those of the publication.

contributors neW conDo guiDe

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

inDuStRy inSiDeR David HirshDavid Hirsh is president and CEO of Brandy Lane Corp. Hirsh prides himself on his hands-on approach to all stages of the development and building process. brandylanehomes.com

Make youR Move Chuck ResnickChuck Resnick is vice-president of marketing and operations at Two Men And A Truck – Canada, a division of Heron Capital Corp. He can be reached by visiting online at twomen.ca and by calling 416.204.0007.

Published By

Money MatteRS Gail Vaz-Oxlade Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

quick tipS Hellen ButtigiegHellen Buttigieg is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or email [email protected]

MoRtgage fineSSe Calum RossCalum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an accredited mortgage professional. He can be reached at 416.410.9905.

004 neW conDo guiDe JANuARY 4 - 18, 2014

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// By Bryan tuckey Bild report

The Planning Act lays out ground rules for land-use planning in Ontario by

outlining planning processes with the objective of being fair, open, accessible, timely and efficient to all involved.

Section 37 of the Act refers to a specific process which allows municipalities to receive community benefits, such as public art, library expansions or road improvements, in exchange for increases in the height or density of what is otherwise permitted by the zoning bylaw.

The community benefits depend on what is deemed by the municipality to be a local community need, the nature of the development application, any implementation guidelines or plans adopted by council, and the strategic objectives and policies of the municipality’s Official Plan. Every development is different.

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

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

Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and

BILD’s official blog (bildblogs.ca).

But zoning bylaws are rarely kept up to date. Neighbourhoods that would be suitable to have a highrise condo are often zoned for lowrise housing, and that leads to higher Section 37 fees for new-home buyers.

According to an Altus Group report in August, the average Section 37 agreement cash contribution for the City of Toronto over the 2012-13 period was found to be $3,485 per unit. That cost comes out of the mortgage of each homebuyer.

Section 37 is being discussed in the 80-day public consultation being held by the province until Jan. 10 as the Ontario government looks to improve the Land Use Planning and Appeals system. I continue to write in this space as part of BILD’s contribution to the discussion, and encourage the public to get involved as well.

What I would like to highlight with Section 37 is that the zoning framework is outdated in most municipalities, which puts its fairness into question.

Across the GTA, there are currently 260 cranes working on highrise projects – the most in North America. Most of that work is happening in Toronto, where the bylaws don’t conform with the provincial growth plan called Places to Grow, causing multiple zoning conflicts. The plan stresses intensification of development, more density, more height, to help the province accommodate the more than 100,000 people that move to the GTA every year.

Questions have been raised over whether Section 37 payments are being used for intended purposes and whether the accountability and reporting measures are in place.

Section 37 is a tool not easily understood, and we feel it is becoming the “go-to” solution for a community’s capital woes without understanding when it should actually be applied. It has been used in an inconsistent way.

In the report on Section 37 in Toronto, the range of cost per unit was as low as $66 and as high as $11,806.

More transparency and accountability need to be established in the process of determining Section 37 contributions. Bylaws need to reflect the planning realities of 2013.

Early consultation would help to eliminate surprise additional costs where possible.

There is definitely room for improvement, and we want to be at the forefront of any changes.

planning policies

must evolve for growth to work

More transparency and accountability need to be established in the process of determining Section 37 contributions. Bylaws need to reflect the planning realities of 2013.

010 new condo guide january 4 - 18, 2014

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columns, news &

features

table of contents

January 4 – 18, 2014

volume 18 issue 01

welcome to the future of

toronto’s waterfront Welcome to monde

20

002 editor’s note

columnists

010 bild report Planning policies must evolve for growth to work by bryan tuckey

014 make Your move Make future holidays merrier by properly packing seasonal decorations by chuck resnick

028 Condo pro Look at the big picture concerning new-home finances by barbara LawLor

034 taxing issues New Year’s Resolutions by henry choo chong

040 mortgage Finesse Choosing between fixed- and variable-rate mortgages by caLum ross

048 industrY insider Taking care of business by DaviD hirsh

050 QuiCk tips Start the new year with a new attitude by heLLen buttigieg

052 moneY matters January is “Make Do” month by gaiL vaz-oxLaDe

056 legallY speaking Getting your house in order by jayson schwarz

070 designer adviCe Trend watch 2014 by yanic simarD

Homebuyers’ Help

016 HomebuYers’ Help Real Estate Resolutions for 2014 by kara kuryLLowicz

026 in tHe news The Daniels Corp. celebrates Regent Park’s revitalization

032 Hot topiC Mortgage options: Eight tips to review before you renew by micheLLe maLcoLm-Francis

059 speCial Feature Year in review: A look back at 2013’s OHBA Award recipients

068 FinanCes Managing post-holiday debt

073 Hot dates What’s happening in and around the GTA

074 Condo watCH 905 Previews, new releases and grand openings in the 905 area

080 builder proFile 10 Minutes With... ELAD CANADA INC.’S Netanel Ben-Or

082 Condo watCH 416 Previews, new releases and grand openings in the 416 area

092 trendspotting Techno colour by LyDia mcnutt

097 Condo buYers’ resourCe seCtion You love the home, see what you can afford

102 index oF advertisers

condo profiles

42 tHe daniels Corp.

one Park PlaceTop 10 reasons to

choose Daniels’ One Park Place

South Tower

46 bazis & plaza

1 yorkvilleStyle and substance

are first and foremost at 1 Yorkville’s

three-tiered amenity floors

40

46

42

Make Your Move // bY ChuCk resniCk

Chuck Resnick is vice-president of marketing and operations, Two Men and a

Truck Canada. twomenandatruck.ca

Holiday preparations such as tree trimming, present wrapping and hanging lights

can help get us in the holiday spirit and are lots of fun. But thoughtful packing of seasonal decorations and materials at the end of the holidays for the next year can keep the fun in what is, for some, a stressful time. In other words, it pays to plan, even 12 months ahead.

Careful packing and organization prevents damage and breakage, and ensures you can find everything next year.

Here are some tips to keep in mind while packing away holiday decorations: Delicate items> Wrap breakables in tissue or

packing paper, or use bubble wrap. Do not use newspaper

– the print may wear off on ornaments. And instead of throwing away used paper or

Make future holiDaYs Merrier

by properly packing seasonal decorations

junk mail, run it through a paper shredder – it makes great packing filler.

> Boxes with dividers are best to pack ornaments in. They come with adjustable inserts that form individual cells for delicate items.

> Keep extra hangers, hooks and ornament parts in a labeled bag or box.

lights> To prevent tangles, wrap lights around

empty gift-wrap paper tubes. > Leave the plug accessible by taping the ends of the light strands to

the end of the tube. Next year, you can quickly test the lights before unwinding them.

> Store coloured lights in a dark place to prevent fading – especially blue, green and purple.

Wrapping paper> Hanging garment bags provide good storage for wrapping-paper rolls.

Use outside pockets for gift tags, cards and tissue paper. > To protect used rolls of paper, cut an empty wrapping paper tube

from end to end and slide it over the roll.> Ribbons and bows can be saved and reused. Pack these loosely so they

keep their shape.

some other considerations> Wrap holiday candles individually in cellophane and store in a cool

place so they don’t melt together.> Pack an “open first” box. Place the decorations you use first in

here with essentials such as extension cords.> Use a “wardrobe box” to hang and store seasonal clothing that you

only wear twice a year like that special snowman sweater from your mother-in-law or that flashing Christmas tie. This way you can find it, wear it, and store it away on a hanger easily.

> Take special care if you are storing your items in a damp area. Don’t store boxes near sources of heat and moisture.

> Label every box. The more detailed the description, the easier it will be to find things next year.

> Take a digital photo of special-care items like snow globes or wreaths, print them off on regular paper and tape the photo to the outside of the box as an easy description of what’s inside.

014 neW ConDo GuiDe january 4 - 18, 2014

A Daniels / WJ CommunityExclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices, specifi cations and programs are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

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homebuyers’ help

have you made your New year’s

resolutioNs? If you’re planning to buy or sell a home in 2014, here are a few key resolutions that will help with a smooth transaction.

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

tips for buyers

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

real estate resolutioNs for 20142 | Crunch the numbers! Can you afford it? Is this the right decision for you? Canada Mortgage and Housing Corp. (CMHC) offers tools at cmhc.ca to help you calculate your net worth, current household budget, monthly debt payments, and how much you can afford to spend on a home purchase.

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

3 | Get your mortgage and financing documentation in order. At the very least, lenders and mortgage brokers will require documentation that proves your personal information, your net worth, income, employment, the amount/source of your down payment, and your ability to pay the closing costs. Closing costs generally range from 1.5 to four per cent of the purchase price and your lender may provide a loan to cover those.

4 | Get pre-approved for a mortgage to determine the amount you can afford based on the lender’s review of your finances. This will also provide written confirmation of the interest rate that will hold for around 90 days.

5 | Search ads for homes in your desired location and price range with your preferred features. (You’ve already got a copy of New Condo Guide, so consider yourself a step ahead!) Visit presentation centres, and explore new communities in person to get a feel for what living there will be like.

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

Astute homebuyers should begin the financial education,

preparation and assessment process the moment they start

contemplating a purchase.

// Kara Kuryllowicz

016 New coNdo Guide january 4 - 18, 2014 january 4 - 18, 2014 New coNdo Guide 017

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

tips for sellers

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

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

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

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

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

5 | Identify items that are worn, outdated or don’t work, then repair or replace them. Ask friends or family to help you identify what needs to be done, but be aware that they may be uncomfortable with the level of honesty required. In this case, a professional home stager, organizer or even your real estate agent would be better suited to the task. Some common fixes include replacing stained switch plates, repairing old caulking and dingy grout in the bathrooms, and applying a fresh coat of paint. If things such as leaky roofs and basements aren’t repaired, buyers will expect a reduction in price.

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

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

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

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

016 New coNdo Guide january 4 - 18, 2014 january 4 - 18, 2014 New coNdo Guide 017

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Monde is a whole new world on the water and the centrepiece of Toronto’s next great neighbourhood. Its proximity to the downtown core and enviable lakefront location make it one of the world’s most desirable waterfront communities. Combining tranquil green space with the energy of downtown, it’s city and waterfront living reimagined.

Developed by Great Gulf, the condominium will be the premier residence in a new international destination for shopping, entertainment and culture. Residential, retail and commercial developments are intertwined with inviting parks and public spaces,

020 new condo Guide january 4 - 18, 2014 january 4 - 18, 2014 new condo Guide 021

creating an environment that is at once vibrant and serene. Two signature parks, Sherbourne Common and Sugar Beach, are just steps away, as is a continuous, kilometre-long boardwalk that winds along the waterfront. In addition, the community’s main waterfront street, Queens Quay, will be pedestrian-, transit- and cyclist-friendly.

Featuring stunning architectural design by the world-renowned Moshe Safdie, Monde marks the first residential project since his landmark Habitat ’67 in Montreal. Exemplifying the “Gardens in the Sky” philosophy, uniquely designed perpendicular balconies, generously spaced from each other, punctuate the building’s exterior, jutting out spectacularly to capture full views of the lake.

The striking design continues inside with sleek, custom-designed interiors by Cecconi Simone. A serene blend of stone and glass is the nuanced canvas that carries the layers of rustic wood, metals and stone that mimic the rough textures of nature, blurring the lines between indoor and outdoor living.

Monde’s world-class amenities are designed for the person who appreciates variety, enrichment and tasteful indulgence, with abundant space to socialize and entertain both inside and out. You can relax in one of the pool-side cabanas by the outdoor infinity-edge pool, enjoy the view from your private park above the city lights, or retreat to the warmth of the elegant fireside lounge.

Enjoy breathtaking views of the lake and a modern urban lifestyle. Live where the city meets the water – on Toronto’s

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As ToronTo’s regenT PArk undergoes one of the most ambitious urban renewal projects in Canadian history, its dramatic story is being brought to the stage.

The Journey – A Living History of the Regent Park Revitalization, is an 80-minute musical that recently played for two sold-out nights at Daniels Spectrum, the community’s new 60,000-sq.-ft. cultural hub.

Using a powerful combination of spoken word narrative, song, film, still images and dance, The Journey documents Regent Park’s nearly 70-year history and it’s amazing revitalization – from challenged urban neighbourhood to thriving mixed-use community, infused with a newfound sense of hope.

The show is not only inspired by the real-life stories of its residents, it is mounted by their collective talents, on stage and off. These include award-winning Regent Park spoken word artists Trevlyn Kay and Britta B. (2013 Toronto International Poetry Slam Champion); Regent Park R&B singer-songwriter Steve Harmony; Regent Park School of Music graduate Charlotte Siegel and Dixon Hall alumnus and pianist Thompson Egbo-Egbo.

“I’m blown away by the talent,” says Henry Heillig, musical director and co-founder of the jazz ensemble, Manteca. “People will hear a lot from these youngsters. Their energy and creativity is just explosive.”

These future stars are backed by two electrifying, world-class performers – award-winning jazz and blues vocalist Jackie Richardson (Big Mama, the Willie Mae Thornton Story); and Dora Award-winning singer/actor Sterling Jarvis (The Lion King; We Will Rock You).

“Working with the script and narrators over the past four months has been a very moving experience for me,” says Anne-Marie Woods, creative director and Harry Jerome Award winner for Entertainer of the Year.

Celebrating regenT PArk’s reviTAlizATion

“The songs are heartfelt; the poetic monologues will tug at your heart strings; as an audience member you will understand the incredible journey that the community has taken – you will truly become a part of the story.“

In short, The Journey is a theatrical creation about, for and largely by the Regent Park community.

“The audience (feels) the emotion, anger and frustration, but also the steadfast determination that finally leads to change. They experience the anxiety and sadness as the wrecking ball demolishes a lifetime of memories, and feel the hope and exuberance as a bright new future emerges,” says Mitchell Cohen, president of The Daniels Corp. who wrote the original script and composed the songs for The Journey.

“We look forward to The Journey becoming a part of the community’s creative repertoire and be continually remounted by different generations of talent,” adds Cohen.

The Daniels Corp. will donate the show’s musical sound track to Toronto’s Artscape Foundation, which will use it to raise funds for youth programming such as ARTSPARK at Daniels Spectrum. Through the ARTSPARK program, youth conceive and produce cultural events, exhibitions and projects with guidance from industry mentors. These hands-on educational initiatives provide valuable life lessons in teamwork and expose young people to career paths in the arts.

The complete sound track can be downloaded at giveagiftgetasong.com for a minimum donation of $15.

in The news

Resurgent community stages The Journey – a new musical chronicling its history

026 new Condo guide january 4 - 18, 2014

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condo pro // by barbara lawlor

For most people, buying a new home or condo is the largest financial investment they will

ever make. If you are looking to buy in 2014, examine your decision carefully – especially where the deposit is concerned. If you buy early in the pre-construction phase, you have the advantage of better pricing and more time to save toward your deposit and closing costs. In fact, you may have months, or even years. This can make a big difference, especially for first-time buyers. Be realistic about what you can afford. Ask if your builder is offering any deposit programs that make it easier to buy.

Next, ask all the questions you can about what the home or condo will actually cost you. The sales representative you deal with will have the information you need to prepare adequately. Consider your purchase in the big picture and explore all avenues.

For example, first-time buyers can withdraw up to $25,000 from their RRSP to buy or build a qualifying home. This is a huge help and a wise use of your money, as real estate continues to be a good investment where the future is concerned.

Remember, too, that there are closing costs. In addition to asking your builder representative about these, be sure to have your Agreement of Purchase and Sale examined by a real estate lawyer. According to Canada Mortgage and Housing Corp. (CMHC), your closing costs can range from 1.5 up to four per cent of the purchase price, so you must be prepared to pay these. The costs include items such as the fee for Tarion Warranty Corp. enrolment, realty taxes and legal fees.

Again, make the most of the period between buying your new home and your closing date. Take this time to save money and get your finances sorted out for your new life. Focus on a specific goal for move-in and work toward that dollar amount. Some first-time buyers even set aside the condo maintenance fee every month to work it into their budget, and then use that amount toward the rest of their down payment.

Shop for a home with the motto, “Be prepared.” Use every resource at your disposal, including CMHC’s guide, “Homebuying Step by Step” at cmhc-schl.gc.ca. The Canadian Home Builders’ Association also offers a website section on “Buying a New Home.” Visit chba.ca and you will find helpful links to “How Much Can You Afford” and “The Full Cost of Your Purchase.”

Once you factor in all your costs, you may discover that the home you like is beyond what you can afford. Better to find out up front rather than later on. Keep an open mind and check out the other designs available. Today’s compact layouts “live” much larger than they did decades ago. It may be that a smaller space can still fulfill your needs beautifully. If you are a first-time buyer, your main goal should be to get into the market and start building equity.

Traditionally, real estate increases in value every year – especially in the Greater Toronto Area. The entire world is looking at the GTA as a fabulous place to live and invest in. Often, owners who purchased early have already seen their investment rise in value by the time they move in. If you are buying a new home or condo, pat yourself on the back for making a great decision that will launch you into the future in an exciting way. Just be sure to find out exactly what it will cost you, and plan accordingly.

Barbara Lawlor is president of Baker Real Estate Inc. and an in-demand columnist

and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sales of condominium developments in

the GTA and overseas. Keep current with The Baker Blog at blog.bakerrealestate.com

Look at the big picture

concerning

new-home finances

028 new condo Guide january 4 - 18, 2014

030 030 030 030030

031 031 031 031 031

hot topic

When it’s time to reneW your mortgage, a little review could help put thousands of dollars in your pocket and bring you a step closer to being mortgage free. Too often, Canadians receive their renewal notice and sign on the dotted line without weighing their options. Don’t be swayed by the convenience of this route. By doing your homework, you can bring yourself one step closer to mortgage freedom.

mortgage options8 tips to review before you renew

Chances are your circumstances have changed from when you obtained your first mortgage. Whether it’s a change in job or family situation, mortgage renewal time is a great opportunity to re-evaluate your needs and the mortgage that works best for you. In most cases, when you renew your mortgage, you are simply starting the mortgage from scratch. The existing mortgage is closed and a new mortgage with new terms and rates is set up.

Typically, the process starts when your lender sends you a mortgage renewal statement about 30 to 45 days before your current mortgage matures. At that point, you will have to make an important decision about your future mortgage. Will it be based on signing the renewal notice and returning it to your financial institution, no questions asked, or will you take the time to meet with your lender face-to-face? If you make the wrong choice it could be a costly mistake. Since most lenders want to keep your business, meeting with them could help you secure a reduced interest rate and better term. The renewal letter from your lender may not give you the best rates available. In fact, these are often higher than the lender’s lowest rate. Negotiating a rate and other privileges can strengthen your financial position. If your lender is not willing to do this, you are not obliged to renew your mortgage with them.

8 tips to review before you renew01 Pay down as much as you can afford on the existing mortgage before signing the new deal. This can save you a lot of interest over the life of the mortgage.02 Banks are often willing to negotiate rates and terms, but are restricted by the products they have. On the other hand, mortgage brokers deal directly with the mortgage underwriting department from most financial institutions and can look for the lowest interest rate on your behalf.

// michelle malcolm-Francis

032 neW condo guide january 4 - 18, 2014 033

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03 The new mortgage should be tailored to your specific needs and not to the latest headline news. Interest rates can rise and fall like a roller-coaster and are hard to predict over long terms.04 If the renewal rate is lower than your previous rate and you are still comfortable with making these payments, keep the payments the same at the lower rate. By doing this, you will reduce the amortization period of your mortgage. 05 There is a variety of mortgage types available for homeowners and choosing the right one can be confusing. Lenders will offer you terms ranging from short-term open to longer-term closed and locked-in rates. If you plan to sell your home soon, a short-term mortgage or one with flexible terms will help you avoid penalty charges if you plan to get out before the mortgage comes to an end. tip ›› Making more money? Try shortening the term of the mortgage by

paying bigger lump sums each month. This strategy not only cuts the repayment period, it also saves you interest in the long term and pays down your mortgage faster. Although it increases your monthly mortgage payment and raises your monthly expenses, it’s a great option for those who are financially sound, planning an extended leave or working toward early retirement.

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

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

06 You can increase or decrease the amortization period of your mortgage, which can range up to 25 years. If you are looking to minimize your monthly payment, a longer repayment period is perfect. If you are looking to pay off your mortgage faster, a shorter amortization period is the way to go.07 Renovations are a great way to increase the value of your home, but these projects are usually expensive. You can make this type of project affordable by adding a line of credit to your mortgage, using existing equity or keeping your mortgage payments low.

08 Refinancing your mortgage is something you may want to consider during mortgage renewal time. Refinancing frees up cash you may need for the unexpected. If you choose to refinance, you must pay out the mortgage in full and arrange a new mortgage with the same or a new lender. However, you will be expected to pay extra fees such as appraisal, legal and other costs, as it is considered a brand-new mortgage.

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

Making more money? Try shortening the term of the mortgage by paying bigger lump sums each month. This strategy not only cuts the repayment period, it also saves you interest in the long term and pays down your mortgage faster.

032 neW condo guide january 4 - 18, 2014 033

// By henry choo chong taxing issues

The opinions and views expressed herein are those of the author and not those of New Condo

Guide. New Condo Guide does not necessarily endorse or encourage any specific tax strategies.

Please consult a tax professional for advice specific to your particular situation.

Henry Choo Chong, CGA, sits on many committees and provides accounting and

tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225.

Questions to Taxing Issues can be emailed to [email protected]

new year’s resolutions

My New Year’s resolution is to get rich; get in shape; help the less privileged; buy low and sell high; quit smoking; travel more; win the lottery! How many times have we heard these words uttered?

As you sit at the dining-room table with pen to paper, sipping coffee with the fireplace crackling in the background, pause for a moment before making that New Year’s resolution list and glance at the crumpled, faded list from last year. How many of your resolutions were actually accomplished? If you are like lots of other Canadians, then not many.

The new year is the time for us to put 2013 behind us and reboot for another year. It’s a great starting point to forget the old and embrace the new. It’s a time to pause and look at what has been accomplished and what still needs to be done.

No one is successful without goals and objectives that can be measured. Although, my accounting and tax background do not give me the expertise to help you lose weight or quit smoking, the approach to financial resolutions may not be much different. The old adage, “Life is what you make of it,” applies to accounting, sports, business and family goals alike.» Set realistic resolutions. “I want to look like I did as a teenager”

is unlikely. » Don’t just say, do. Resolutions can’t be accomplished without

action and following through. Stop talking about joining a health club, and do it. Regardless of what some so-called experts say, you can’t lose weight by sitting in front of your computer (although the eyes and fingers may get a good workout).

» Having a plan and its execution is as important as the resolution itself. Without a plan, there will be no success. “This year, I would like to save for a home.” This is a great resolution, however how will you achieve this? How much will you need? Where will the savings come from? How and where will you obtain financing? Step one is to create a cash-flow budget. Identify how you can increase income and where you can cut expenses.

» Set long-term goals, but make them achievable objectives that can be measured periodically. For example: a: If you would like to lose 20 lbs. this year, set a weight-loss goal of three pounds per month. b: If you would like to start an RRSP, contribute $X by the end of the year. This will be achieved by setting up an automatic payment plan with your financial institution. Pre-authorize monthly RRSP contributions.

Goals cannot be reached, unless you reach for them!

Resolutions can’t be accomplished without action and following through


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From Liberty Development Corporation

LIBC 31871 Condo Guide Ad.indd 1 2013-12-11 2:55 PM


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The most contested issue in the mortgage market is the choice between a fixed and variable

rate. Here is some wisdom that will work in any market conditions, and will help you determine the best choice for your own personal risk tolerance and financial situation.

Anyone who suggests you should go with either a fixed- or variable-rate mortgage without taking the time to understand your goals, your cash flow and your own individual risk tolerance is a financial professional you should be wary of. Anyone who pretends to know what is going to happen with long-term interest rates is either delusional or has a grossly exaggerated opinion of themselves.

At any given time, Canada’s capital markets represent about three per cent or less of global capital markets and our economy is heavily reliant on exports to our key trading partners. What this means for Canadian mortgage consumers is that no matter how closely we watch our own economy, we will always be subject to changes in our capital markets as a result of shocks to the global system and particularly shocks to our key trading partner – the U.S.

What this means to the fixed versus variable decision is this: At any given time there is a set spread between the difference in the discounted five-year fixed rate and the discounted variable-rate product. Depending on what is happening, this spread increases and decreases in response to movements in the overnight lending rate set by the Bank of Canada and the Government of Canada bond market. This difference in rate represents the premium that mortgage consumers have to pay for the peace of mind that a longer-term fixed mortgage offers. Conversely, the difference in savings for going variable represents the reward for taking on the extra risk of not locking in your rate and protecting you against future potentially unfavourable risk movements.

In reality, the only thing a longer-term fixed mortgage gives you is a guarantee against your rate and subsequently your payment moving for a longer period. It is essentially an insurance premium that protects you against interest rate risk, and like all insurance premiums, they change and are more or less valuable to different market participants.

The difference between this longer-term fixed rate and the variable rates, rises and falls in different market conditions. Traditionally the difference between short- and long-term rates is highest when inflation is high – at some points in time, the difference was more than two per cent. When inflation is extraordinarily low, the difference in these two rates has been as low as less than 0.5 per cent. Regardless of the difference in the rates, the thing we know for certain is the relative cost-benefit analysis really comes down to your own tolerance for risk and the math of how much you ultimately pay for that piece of mind, or stand to gain from taking the extra risk.

one final caveat: There is no amount of financial gain that ever warrants putting yourself under financial duress. The wise mortgage consumer does not take on more risk than they can financially handle. If you can’t afford an upswing in rates then going variable is not a sound decision in any economy.

mortgage finesse // by calum ross

Calum Ross is senior vice-president and practicing mortgage agent with The

Mortgage Centre. He has appeared on Canada AM, Investment Television,

BNN and Citytv. He holds an MBA in finance and is an accredited mortgage

professional. He can be reached at 416.410.9905.

The difference in savings for going variable represents the reward for taking on the extra risk of not locking in your rate

fixed & variable rate mortgages

Choosing between

040 neW condo guide january 4 - 18, 2014

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There are so many reasons to choose ONE

Already under construction, One Park Place South Tower is the newest addition to the internationally recognized and award-winning Regent Park revitalization. O� ering incredible views of Lake Ontario as well as the city skyline and situated just steps from some of the city’s hottest new amenities including Daniels Spectrum, the Aquatic Centre and a soon to open 6-acre park, as well as shopping, restaurants and the convenience of the TTC, One Park Place South Tower is the ONE place to be in downtown Toronto.

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices and specifi cations are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

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condo profile

Coming soon to the Downtown East:

one park place South tower!

Top 10 reasons to choose Daniels’ One Park Place South Tower

new homebuyers are flocking to be a part of the internationally recognized and award-winning Regent Park revitalization. With the introduction of new streets, retail, homes and some of the

best amenities in the Downtown East, now is the time to discover the condominium Toronto has been waiting for. Hot on the heels of The Daniels Corp.’s One Park Place North Tower, the South Tower is already drawing tremendous interest from people who want to make Regent Park their home. The fifth residential building in this master-planned community is already under construction, and will rise to 29 storeys – the tallest condominium residence in Regent Park to date. Residents will enjoy striking panoramic lake and city views. Here are the top 10 reasons to choose One Park Place South Tower as your new home.

1 Location. One Park Place South Tower will be situated at Dundas and

Sumach Streets, and will be anchored by a collection of 17 urban townhomes lining St. David’s Street and Sumach. The condominium’s lobby entrance is directly off Regent Park’s Urban Mews, Regent Park Boulevard, where neighbours and visitors gather for local festivals, markets and performances – placing homeowners right in the middle of the action in this energetic neighbourhood. The Urban Mews also leads to Daniels Spectrum, the 60,000-sq.-ft. cultural hub that is alive with opportunities for dance, music, theatre and film. Paintbox Bistro, a popular area hotspot with live entertainment and the culinary creations of renowned Toronto chef, Chris Klugman, is just steps away. At the pulsing heart of Regent Park, the Urban Mews connects many of Toronto’s hottest new amenities. Residents can stroll to the soon-to-open six-acre park on Dundas Street, the Regional Aquatic Centre, shopping, restaurants and the TTC.

One Park Place South Tower is steps to FreshCo by Sobeys, Rogers, RBC Royal Bank, Tim Hortons and public transit right on Dundas Street East. Regent Park is just minutes from Cabbagetown, the Distillery District, the St. Lawrence Market, Yonge-Dundas Square and all the attractions of downtown Toronto. Does it get any better than that? Yes!

2 Outstanding architecture and breathtaking views. One Park

Place South Tower is designed to make the most of its location and height with a combination of delicately supported white cladding and spandrel glass. Suite owners will be treated to ever-changing views of Toronto’s skyline or Lake Ontario through expansive windows that invite copious amounts of natural light to fill the beautiful living spaces.


3 Club Uno. One Park Place South Tower will be home to over 45,000 sq. ft. of indoor and outdoor relaxation, exercise and social amenities at

Club Uno. These include a half-court gymnasium, two squash courts, a fitness studio, indoor/outdoor yoga and Pilates studio, a party room, billiards room, lounges and more.

4 Environmentally friendly design. Daniels is a trailblazer in the building industry and an advocate for actively incorporating urban

agriculture opportunities into their new home communities across the GTA. There will be resident gardening plots on the fifth-floor gardening terrace where homeowners can grow their own herbs, flowers and spices. Urban gardening plays a key role in bringing homeowners together to foster a sense of community. Daniels will offer programming that helps residents make the most of their amenities. Much like its sister tower, One Park Place South Tower is being built to the Leadership in Energy and Environmental Design (LEED) Gold Certification Standard, offering an array of future-proofed elements such as bicycle storage and energized parking spaces for electrified cars. Several green roofs serve as both a visual and physical amenity for residents; while helping to mitigate Toronto’s heat island effect.

5 Flexible suite designs. Suite layouts maximize every square foot, and urban interior finishes include European-style stainless steel

kitchen appliances, contemporary quartz countertops, laminate flooring throughout and spectacular kitchen and bathroom designs by award-winning Cecconi Simone Inc.

6 Unbeatable value. Prices will start from an incredible $199,900, with suites at One Park Place South Tower ranging from studios to three-

bedroom designs plus a limited collection of urban townhomes.

7 Home ownership made easy. Purchasers can take advantage of Daniels’ 5% Gradual Deposit Payment Plan. Simply pay $3,500 with

the Agreement of Purchase and Sale, and then $1,000 each month until five per cent of the purchase price is reached. It’s just another way Daniels is making it easy and accessible to purchase at One Park Place South Tower.

8 Move-in as early as winter 2014. Construction has commenced at One Park Place South Tower, giving homeowners the confidence that

Daniels will deliver their home on time.

9 Peace-of-mind. The Daniels Corp. (danielshomes.ca) is one

of Canada’s pre-eminent builders/developers, building more than 24,000 new homes across the GTA for over 31 years. Daniels was named the Tarion Warranty Corp.’s 2012 Ontario High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels offers innovative programs that help people achieve home ownership, champions neighbourhood initiatives that enhance residents quality of life, and supports numerous charities and non-profit organizations.

10 Pent-up demand. The time to get your name on the

list for One Park Place South Tower is now. To register, visit danielsoneparkplace.com or call 416.955.0559. Daniels’ presentation centre is located at 500 Dundas St. E., open Monday to Thursday from noon to 6 p.m.; weekends and holidays from noon to 5p.m.; closed Fridays.

There will be reSiDenT garDening PlOTS On The fifTh-flOOr garDening Terrace where hOmeOwnerS can grOw Their Own herbS, flOwerS anD SPiceS


and everything in between.

Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected. Prices and specifications are subject to change without notice. E. & O.E.

COMING SOON TO CANARY DISTRICTURBAN CONDOMINIUMS IN TORONTO’S NEW DOWNTOWN EAST. HOME TO THE ALTHLETES OF THE 2015 PAN/PARAPAN AM GAMES AND WINNER OF COMMUNITY OF THE YEAR. SUITES FROM THE MID $200’s.

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PAN2 31918 CondoGuide DPS FA.indd 1-2 2013-12-17 5:08 PM


condo profile

Style and SubStance First and foremost at 1 Yorkville’s

three-tiered amenity floors

developers Bazis and Plaza may be a bit biased when they say that 1 Yorkville is a property like no other, but walking into this exceptional structure, which rises above the fully restored Yorkville Village from the 1860s, one can’t help but feel this must

be what true luxury looks like. The developers haven’t skimped on style – obvious by the fact they

have enlisted architect Rosario Varacalli and interior designers, The Design Agency, with its design – but, perhaps more important, is its substance. Bazis and Plaza tout a philosophy that 1 Yorkville is about

“changing perspectives” and once you walk into the spectacular three-floor amenity space, you begin to see exactly what that means.

Observers are quick to say it’s a “spirited,” “inspired” and “elegant” environment, all of which is true, but this downtown Toronto condo is also impressively functional. Whatever you fancy – whether you are a person of leisure or adventure – you will find in this sprawling expanse.

the SpaImagine this: You wake to the comforts of your own abode and start each morning with a languid dip in the outdoor pool and its crystalline waters. Continue your morning by ending your swim session with a meditation class and afterwards, grab a cool glass of lemonade from the fully stocked juice bar, best enjoyed in one of the private and tranquil Zen gardens. Within an hour you have eased both your body and your mind, and be assured that the rest of your day will thank you for it.

Post workday, visit the spa area again to indulge in one of the many while-away-the-evening respites like the hot tub, cold and hot plunge

pools, steam room, sauna or, perhaps most decadent, the Aqua Massage: an exotic experience built for two, in which overhead jets of varying speeds splash away all the stresses of the day.

If this level of leisure is too slow-paced, not to worry: the dance studio – equipped with state-of-the-art stereos and technology – beckons you to break in its dance floor with loud beats and your inspired moves.

the exercise levelFitness and the pursuit of a healthy lifestyle is an imperative mind set at 1 Yorkville, so not surprisingly, the Exercise Level does not disappoint. The Fitness Gallery

– with a spiral staircase showcasing views of the spa area – promises an unprecedented space to rove with the most modern cardio equipment and machines sure to motivate the most hard-core fitness enthusiast.


The much buzzed-about Cross-Fit studio is unparalleled in the condominium market, offering participants top-tier equipment and instructors that are dedicated to getting you exactly where you want to be. For Pilates devotees, an additional studio is equipped with everything you need to balance the body.

After your workout, why not sip an Americano in the Spa Pool Viewing Gallery while flipping through a magazine or two? (Certainly you’ve earned it.)

the rooftop entertainment levelWhat’s the recipe for a great summer in Toronto? It’s simple: A rooftop with a city view, a sizzling barbecue, friends, cocktails and, of course, 1 Yorkville. Many-a-party is welcome on one of the two sun decks, where warm and buzzy Sunday afternoons are spent in the spirited water feature-framed rooftop. The outdoor cinema is reminiscent of an intimate

After your workout, why not sip An AmericAno in the spA pool Viewing gAllery while flipping through A mAgAzine or two?

theatre house with comfortable seating and an oversized screen built to view all of film’s great classics. Cheers!

Come winter, no need to feel cramped or cornered. Play host in one of the capacious party rooms (with fully equipped kitchens) while challenging your guests to a fun video game race, or debate the merits of the latest must-see documentary in the multimedia room. Now, entertaining in style has never been easier.

Together, Bazis and Plaza have created two other inspired residential condominiums: Exhibit on Bloor, an exceptional and striking building located across from the Royal Ontario Museum, and Emerald Park, comprised of two dramatic towers at Yonge and Sheppard that have taken North York design to an entirely new level.

for continuous updates about 1 yorkville and to be among the priority purchasers, please register at 1yorkville.ca.


// By DaviD HirsH inDustry insiDer

You may think that client care only plays a role if, and when, you buy a product or service. Customer

Service is typically the department that deals with issues that arise after a purchase is made. But, if a company takes client relations seriously (as they should), that simply isn’t the case. Client care needs to be an essential part of any company’s culture. It’s pretty simple – without clients, you have no business.

New-home client care ideally begins the second you step into a sales office. At this point, it pertains to creating a friendly environment, ensuring you are attended to and that you receive the information you require to make an informed purchase decision. You won’t necessarily meet with a Client Care Representative then, but everyone you encounter – from the receptionist, to sales agents, and anyone working on behalf of the

David Hirsh is president and CEO of Brandy Lane Corp. Known for his creative and

innovative approach to residential design, David prides himself on his hands-on

approach to all stages of the development and building process, and he believes that

everyone is his client. The company’s newest community is Wyldewood Cove in

Collingwood. Visit brandylanehomes.com.

taking Care of Business

builder – should have your best interests at heart, and be available to resolve any issues or queries you may have.

Once you’ve purchased your new home or condominium, it is good client-care practice to reach out to you to: first, to thank you for your purchase; and second, to learn if you have any additional questions. This practice sets the tone for all future communication. This is usually when a Client Care Representative is assigned as your main point of contact, so you know specifically who to turn to throughout the process.

The next client-care benchmark occurs during your design appointment, which is when you select the finishes and can also choose from available upgrades. Depending on your builder’s organization, it may be someone other than your Client Care Representative who takes you through this. Regardless of who you deal with, the selection of features and finishes is an important part of client care, as during that appointment your builder representative should help you decide what choices are right for you.

Prior to moving in, you’ll undertake a formal inspection of your home. The Pre-Delivery Inspection (PDI) is another essential component of your client care experience. Your builder should provide you with a knowledgeable representative who is informed about all facets of what will be reviewed during this assessment. The representative you deal with should also help you understand fair expectations regarding the delivery of your home. A home is not a manufactured product. It may not be 100 per cent complete at PDI, but there is certainly a level of completion and quality that you should expect.

Any company worth its salt realizes that they are responsible not only for acquiring new business, but for retaining and servicing existing clients. The best thing we can do is blow your socks off with a level of service that encourages you to recommend us to family and friends. Everyone you encounter, from the minute you step into a sales office to the moment we hand you your keys, should provide you with an exceptional level of care that makes you feel welcome and at home.

The Pre-Delivery Inspection is another essential component of your client care experience. Your builder should provide you with a knowledgeable representative who is informed about all facets of what will be reviewed during this assessment.

048 new ConDo guiDe january 4 - 18, 2014

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Brokers Protected, Limited Time offer. See Sales Rep for full details. Prices, Specifi cations and programs are subject to change without notice. Illustrations are artists concept. E & O.E. *Provided the purchaser completes the transaction on the contemplated unit transfer date the purchaser shall receive a credit on the statement of adjustment in the amount equal to12 monthly common expense fees relating to the unit and any parking or storage applicable. Deposit 5% down and 10% due on occupancy. studiocondos.ca • 647.352.7736

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// by hellen buttigieg

Hellen Buttigieg is a certified professional organizer, life coach, TV

host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more

time, energy and inner peace. Email Hellen at [email protected]

quick tips

keep your new year’s resolutions. If you’ve resolved to get organized in 2014 but are already feeling discouraged, detach from the results and focus on the process. We often fail to reach our goals simply because they were unrealistic in the first place. If it took 10 years for your clutter to accumulate, you can’t expect yourself to clear it all in a few days. The key is to do only what you can, but do it consistently. Just 15 minutes a day spent organizing adds up to seven hours a month and 84 hours a year!

tackle quick tasks now. Adopt a “do it now” policy for anything that can be done in less than five minutes. For example, when a form needs to be filled out or a cheque has to be mailed, resist putting it off until the due date – do it now. This ensures that it won’t be forgotten or misplaced and frees up the mental energy that unfinished business consumes.

keep rooms tidy in less than two minutes. Items that don’t belong in a room are the main contributors to visual clutter. Get into the habit of removing “move elsewhere items” when you leave the room, and placing them on their way to where they do belong.

tidy doesn’t mean perfect. Organizing is not necessarily about how it looks, it’s about how it works. If you are not naturally neat, avoid storing everything behind closed doors. Not only can it make you feel ill at ease, it may also be virtually impossible for you to maintain that kind of system. Choose furniture pieces that provide visible storage instead, like a coffee table with shelves underneath. Keep the system low maintenance. If you never seem to get around to hanging your clothes on hangers, place some open bins in your closet.

purging for “fraidy-cats.” If you keep every paper that enters your home because you’re afraid you might need it someday, here’s a way to ease the fear. Designate a temporary holding tank, a box or bin for papers you don’t need, which you’ll dump once a month. Knowing that these papers won’t be tossed immediately and will be there “just in case” lessens the anxiety of letting them go.

accomplish more in your day by knowing your style. Understand your high/low energy periods and schedule your daily tasks accordingly – tough tasks during your high-energy periods and less-demanding tasks during the low ones.

Also consider your work style when planning your day. You’ll be amazed at how much more you can accomplish by keeping your style in mind when planning your activities from day to day.

new attitudeStart the new year with a

Everyone has a list of things they’d like to accomplish, and a new year is the perfect

time for a fresh start. Getting organized is a major resolution, and not an easy one to keep. It’s even difficult to figure out where to start on the road to becoming organized. Start by trying out these organizational tactics:

If you’ve resolved to get organized in 2014 but are already feeling discouraged, detach from the results and focus on the process


continued on page 54…

money matters // by gail vaz-oxlade

“ make do” month

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of

Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on

Twitter at twitter.com/GailVazOxlade

If there’s any month when you’re most likely to wonder if all the bills will get paid, it’s January. After the feverish rush of the holidays and all the unexpected expenses that popped up, no doubt budgets will be a little tight.

Add the extra cost of heating and the jump in “fresh” food prices, and you’ll be looking for ways to trim back.

Welcome to “Make Do” Month. This is the month when you stretch everything a little farther so you spend a lot less. If you get invited to a party, don’t rush out and buy new clothes. You get creative and shop from your closet. And if you need a little something different, you shop from a friend’s closet. Or hold a clothing exchange. What you don’t do, is spend money!

January is a good month to experiment with a new routine as you make do. If you’re used to buying coffee every day, brew your own at home or work and save.

January is


When the weather is warm, it’s easy to do lots of free things. When it’s cold, entertainment gets more expensive. Sure, there’s that great movie you’d love to take the family to for a night out of the house. For a family of four, you’re probably looking at $100 or more with popcorn and drinks. Recycle a movie you already own or do a movie swap with friends, add some home-made popcorn and a 12-pack of pop and you can probably do it for $10. Now that’s making do!

January is also a good month to experiment with a new routine as you make do. If you’re used to buying coffee every day, brew your own at home or work and save big-time. If you regularly go out for lunch, pack one from home for four out of every five days and not only will you drop those holiday pounds, you’ll be able to pay off that holiday debt too.

But what if you have family or friends whose birthday falls in January? You’ll have to buy something, right? No you don’t. You can give something of yourself

instead of something purchased. Make their favorite cookies, offer to cook them a meal or a bunch of meals for the freezer for those extra-busy workdays, or create a coupon for three nights of free baby-sitting service. Maybe you’re a computer genius and can offer to do maintenance or repairs. Perhaps you’re a mechanic and can offer a tune-up. Substitute your energy for spending money.

After the buzz of the holidays, you’ll be happy to stay home for the first couple of weeks. Then you may start feeling itchy. You can feel the walls closing in. Time to hit that new restaurant that just opened, or head out to the clubs. Wait a minute – this is Make Do Month!

Call up a couple of friends and throw a pot-luck game night instead. See if you can do it at their house this time. Start a tradition of once-a-month games or poker nights and rotate from one friend’s home to another. No one says you can’t have fun during Make Do Month. You just can’t spend gobs of money.

Make Do Month is a conscious decision to stretch every dollar as far as it will go. Try it and see if just becoming conscious save you money. I’ll bet you’re pleasantly surprised.

Start a tradition of once-a-month games or poker nights and rotate from one friend’s home to another. No one says you can’t have fun during “Make Do” Month. You just can’t spend gobs of money.

money matters continued…


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legally speaking // by jayson schwarz

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

firm Schwarz Law LLP. Visit schwarzlaw.ca or email [email protected] and give us

your questions, concerns, critiques and quandaries.

It’s a new year, and a new home or condo purchase tops your to-do list. Whether you are a young

couple or an individual purchasing a new home for the first time, a resale buyer moving in the market or an empty nester purchasing a retirement residence, the very action of this significant investment in real estate represents a major life change.

There are a number of issues that you should consider at this time in order to ensure that your “house is in order.”

1. how will i hold the “title?”

When your lawyer goes to the Registry Office to hand over all of your money to the builder in order to buy your home, he receives, in

return, a document called a deed or transfer, which he registers by filing with the government. The document has your name is on it to show you own the home. This action gives you title to the property. If more than one person is buying the property it is necessary to decide how they will hold title together.

There are two ways people can hold title together. The first is generally the way we hold title with our spouses or children, which is called “joint tenancy.” To hold title as joint tenants really means that upon the death of one of the parties, the remaining party automatically becomes the owner of the whole property without having to inherit it or have it pass through an estate. The reason is simply that all owners on title own the whole property rather than a part each.

The other way title can be held is as “tenants in common.” This means that each party only owns the percentage allocated to them, although the physical part owned is not described. Upon the death of a tenant in common, his or her percentage of ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go to see your lawyer.

2. what about a will? a power of attorney?

Do you have a will? If you do, is it up to date and does it represent your current situation or state of affairs? It is important, especially if you have young children, to have your wills completed; not so much for the money, but for a clear resolution of the issue of custody if something happens to both parents. A will stops sibling disputes, takes care of who will look after children, keeps the government out of your affairs, allows for an orderly disposition of everything from your favourite cuff links or earrings to your realty, stocks and bonds, and will allow you to determine how you are to be cremated, buried or quick frozen. A power of attorney is used when you are physically or mentally incapacitated – there are two kinds. The first is for your body, such as what care will you or will you not receive? Your representative will determine that. The other is for the management of your financial affairs.

Now is the time to create a will. Speak to your lawyer and ensure that this important matter is dealt with.

3. what about insurance?

You will need insurance for the house. This a great time to look at life and disability insurance. It is also a good time to determine if you should be insuring your mortgage in case something happens to the major wage earner; and to ensure that the future is taken care of.

So there you have it, this is the time to take care of all of these kinds of things to get your house in order.

getting your house in order


Daniels is committeD

to an environmentally

sustainable anD

healthy lifestyle.

In 2009, Daniels first introduced urban agriculture with community gardening plots at OneCole Condominiums in Toronto’s Regent Park. Proving to be a success, they have since taken this concept to North York with the incorporation of gardening plots and an edible landscape where residents can enjoy apple trees, Echinacea plants and much more. HighPark Condominiums in Toronto also showcases Daniels commitment to an environmentally sustainable and healthy lifestyle with an array of community gardening plots that will be located on the 2nd floor gardening terrace.

GarDen Plotsat hiGhPark conDominiums

homeowners GarDeninG at Paintbox conDominiums

DaNIEls’ uRbaN agRICulTuRal COmmITmENT

c o n t i n u e s t o G r o w

within the canadian building industry, the Daniels corporation is

leading the urban food revolution through trailblazing initiatives that incorporate urban agriculture opportunities such as gardening plots, greenhouses, edible landscaping and gardening programs into their new home communities across the Greater Toronto Area – and is inspiring other developers to do the same. Gardening invites green-thumbs to come together, establish a deeper sense of community, and help residents feel connected to the earth in an interactive way.

firsthome™ hazelton Place limeliGht conDominiums one Park Place conDominiums

moving west to mississauga, Daniels was the first to introduce community gardening into condominium landscaping by designing a unique interwoven labyrinth of gardening plots for residents to enjoy at limelight Condominiums. Recently, Daniels welcomed community gardening and a greenhouse to FirstHome™ Hazelton Place in Erin mills. Centrally located within the community, and incorporated into the landscaping, the gardening plots have proven to be a great success with new homeowners of this neighbourhood.

Where gardening plots aren’t feasible for every community, Daniels is constantly coming up with innovative solutions to expand their urban agriculture initiatives. at OnePark West boutique Condominiums and Townhomes in Regent Park, Daniels collaborated with the Dixon Hall mill Centre (dixonhall.org ), a non-profit agency that teaches at risk youth carpentry skills, to create balcony planter boxes for the residents.

Providing not only unique gardening platforms in their communities, Daniels provides urban gardening workshops and seminars to

ensure that residents maximize the opportunity to grow herbs, vegetables and flowers – and the response has been

phenomenal. Daniels has partnered with Ontario urban agriculture specialists to teach, develop and implement plans to assist residents in using their gardening plots efficiently. at the well-attended sessions, residents receive the tools to start and maintain successful gardens that will thrive.

Daniels and Toronto Community Housing, partners in the 69-acre Regent Park revitalization, have come together to

create a Food Partnership within Regent Park with community organizations and Foodshare Toronto. The Regent Park Food

Partnership will increase residents’ access to local, fresh food in addition to hands-on educational programs through a greenhouse, community oven and gardens in the new six-acre park.

In the summer of 2013, Daniels also launched two highly successful Farmers’ markets: The Regent Park Farmers’ Market, which brought together small plot growers and artisan food purveyors with local farmers to offer residents and visitors the best summer produce, baked goods, spices, cheeses, flowers and more. The Regent Park Farmers’ market also helped nurture the community by providing new business opportunities for local residents. It was also the site of musical performances and artistic activities.

fresh-from-the-vine

tomatoes flourish in

the GarDeninG Plots at

limeliGht conDominiums

gROWINg gREEN IDEas

new six-acre Park in reGent Park

fresh salaD PickeD from Planter boxes at onePark west conDominiums

Daniels is committeD

to an environmentally

sustainable anD

healthy lifestyle.

In 2009, Daniels first introduced urban agriculture with community gardening plots at OneCole Condominiums in Toronto’s Regent Park. Proving to be a success, they have since taken this concept to North York with the incorporation of gardening plots and an edible landscape where residents can enjoy apple trees, Echinacea plants and much more. HighPark Condominiums in Toronto also showcases Daniels commitment to an environmentally sustainable and healthy lifestyle with an array of community gardening plots that will be located on the 2nd floor gardening terrace.

GarDen Plotsat hiGhPark conDominiums

homeowners GarDeninG at Paintbox conDominiums

DaNIEls’ uRbaN agRICulTuRal COmmITmENT

c o n t i n u e s t o G r o w

within the canadian building industry, the Daniels corporation is

leading the urban food revolution through trailblazing initiatives that incorporate urban agriculture opportunities such as gardening plots, greenhouses, edible landscaping and gardening programs into their new home communities across the Greater Toronto Area – and is inspiring other developers to do the same. Gardening invites green-thumbs to come together, establish a deeper sense of community, and help residents feel connected to the earth in an interactive way.

firsthome™ hazelton Place limeliGht conDominiums one Park Place conDominiums

In Erin Mills, Daniels launched The Backyard Farm & Market located on the site of their upcoming master-planned community at Erin Mills Parkway and Eglinton Avenue West. The Backyard Farm & Market featured meats, eggs, cheeses and baked goods from local and sustainable farmers and

artisanal producers, as well as kids educational programs, therapeutic garden mazes, waste-free kitchen demonstrations and musical performances.

And, Daniels urban agriculture commitment keeps growing as the company is also collaborating with Highmark Farms to operate Winter Box Programs at their Presentation Centres located at Daniels Erin Mills in Mississauga and Regent Park in Toronto’s Downtown East. The Winter Box Program consists of baskets containing chemical-free, locally grown veggies and additional goods filled with 6 to 16 items weekly – it’s a healthy and smart way for customers to pick up fresh produce, breads, meat pies and other items to stock their pantries. For more information on the Winter Box Program, please email [email protected]

The Daniels Corporation is one of Canada’s preeminent builder/developers, building more than 24,000 new homes across the Greater Toronto Area for over 31 years. Daniels was named the Tarion Warranty Corporation’s 2012 Ontario High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels offers innovative programs that help people achieve homeownership, champions’ neighbourhood initiatives that enhance quality of life, and supports numerous charities and non-profit organizations. In 2012, the company was invited to participate in Ryerson University’s Urban Agriculture Summit.

Including urban agriculture opportunities in their new home communities is a natural offshoot of the Daniels motto “Love Where You Live.”

Learn more about danieLs’ urban agricuLture initiatives bY visiting danieLshomes.ca.

foLLoW:

creating the backYard farm & market at erin miLLs

057

Get your copy now!416.626.4889

Fall Issue Now Available

FALL 2013

20 YEARS OFLOUBOUTIN

FASHION AND DÉCOR MUST-HAVES

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13-09-12 4:59 PM

special feature

Year in Review A look bAck At 2013’s

oHbA AwARd RecipientsYou've seen the winning teams,

now here's a small taste of their work.

Reid’s Heritage Homes - Cambridge

project of the Year HigH or Midrise ontario Home builder of the Year

project of the Year Lowrise

pRestige AwARds

Mod developments inc. for “The Massey Tower” - Toronto credit to L.A. Inc.; Cecconi Simone; Hariri Pontarini; MarketVision Realty; Vicbar Marketing

great gulf Homes for

“King oaks” – York regioncredit to Builder Insight Group Inc.; Cecconi Simone


ARcHitectuRAl design

Most outstanding Highrise building 11+ storeys

Most outstanding High or Midrise condo suite up to 800 sq. ft.

Most outstanding High or Midrise condo suite 801 sq. ft. and over

Mod developments inc. for “The Massey Tower” – Toronto credit to Hariri Pontarini Architects; Cecconi Simone

reserve Properties Ltd. 109oZ - “Loft 402” – Toronto credit to Drive Agency

Most outstanding Attached Multi-unit Home semi/town/stacked

RooM design

Most outstanding High or Midrise condo suite kitchen

Monarch Corporation/ The goldman group for

“Picasso on richmond” – Torontocredit to Union31 Inc.

rosehaven Homes Limited for The randall residences -

“The Tetherington” – oakville

Most outstanding Midrise building 4 - 10 storeys

The Minto group for orchard Park – “Juniper” – stouffville

rosehaven Homes Limited for “The randall residences” – oakville


pRoJect iMAge & AdVeRtising

on-site sAles pResentAtion

best internet website (builder or Renovator)

best new Home sales office under 1,500 sq. ft.

best High or Midrise Ad campaign

best High or Midrise project sales brochure

best project logo branding for individual community logo

best new Home sales office 1,501 sq. ft. and over

great gulf Homes for “Yonge + rich” – Toronto

great gulf Homes for “Pace” – Torontocredit to L.A. Inc.

orchard ridge Homes for “Crafthouse” – Toronto credit to 52 Pick-Up Inc.; Unique Urban Homes

Tridel Corp. for “101 erskine” – Torontocredit to Drive Agency; Union31 Inc.; Geron Associates Ltd.

Mod developments inc. for “The Massey Tower” – Torontocredit to L.A. Inc.

Mod developments inc. for “The Massey Tower” – Toronto credit to L.A. Inc.; Cecconi Simone


WILSON AVE

TIPP

ETT

RD

WILSON SUBWAY

YORKDALE SUBWAY

ALL

EN R

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YORKDALE MALL

CAN YOU AFFORD TO BUY AT THE STATION?

RUN. WALK. SUBWAY. HURRY. UNDER CONSTRUCTION.

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• A sweet corner unit• An enormous 175 s.f. balcony• Granite countertops• Euro-style appliances • A window in the master ensuite• A place you won’t grow out of

Just like that, in 13 months, your down payment will be done and you’ll be the proud owner of an amazing new condo with expansive Terrence Lukas-designed interiors, spacious balconies, and amenities like The Studio Club, fitness centre and the city’s first indoor/outdoor heated party rooms.

SAFE – The Station is already under construction. SMART – Easy subway access and a 20-minute ride to downtown, mean condos at The Station will always be in demand. GREAT DEAL – With this innovative down payment plan you can finally afford to own your own place.

These days, with rent on a 2-bedroom apartment in Toronto reaching $2,000/month and beyond**, saving for a down payment can feel next to impossible. But at The Station, our new deposit structure* makes saving a snap. So not only can you afford to buy your own place, but the place you call home can be at North York’s award winningrecord-breaking development. Here’s how it works.

SOUNDS SCARY, RIGHT? BUT HERE’S WHAT THE STATION WILL DO FOR YOU.

LET’S SAY YOU’RE LOOKING AT ONE OF OUR EXCEPTIONAL 2 BED + 2 BATH SUITES. YOU GET:

THE PRICE IS A COOL $450,000, SO SAY YOU PUT DOWN 10%

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*Conditions apply. On select suites only. See sales rep for details. Prices, specifications and deposit structures are subject to change without notice. E. & O.E. Exclusive Listing Brokerage: The Condo Store Realty Inc., Brokerage. Brokers protected. Illustration is artist’s impression. **Source: theglobeandmail.com

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

Search yourfavourite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

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

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Finances

Holiday parties are over,

gifts are unwrapped and festive decorations are put away. Now it’s time to tackle the daunting pile of bills.

Follow these three steps to avoid a debt spiral in 2014:

1 Get financial adviceA financial adviser can help you pull together a plan to budget

and pay off your debt in a short period of time.

“Ensure that you bring all of your financial information, including outstanding debt, when meeting an adviser, to help them understand your entire situation,” says Stephen Reichenfeld, private wealth counsellor of Fiduciary Trust Company of Canada. More information on how to find an investment adviser is available at franklintempleton.ca.

2 stick to your payment planCut back on frivolous expenses so you can pay

down your debt sooner. While a new spring wardrobe or a beach vacation may seem tempting, keep your sights set on your goal.

ManaGinG post-Holiday debt

Remember, if you struggle to make payments and take too long to pay off debt, interest charges will continue to accumulate. You may find yourself in an even deeper debt hole by the end of the year.

3 avoid the cycle by planning aheadOnce you have paid off your debt, create a plan for the next holiday season. Make a list

of possible expenses and gifts, and then figure out a budget you can stick to. Next time, save money in advance rather than charging more than you can afford to your credit card. NC

Once you have paid off your debt, create a plan for the next holiday season. Make a list of possible expenses and gifts, and then figure out a budget you can stick to.


Real Estate Brokerage

THE


Designer ADvice

Trend watch

2014// by yAnic simArD

photography by brandon barre

070 new conDo guiDe january 4 - 18, 2014 january 4 - 18, 2014 new conDo guiDe 071

it’s AlreADy time to look AheAD to 2014, and take fresh inspiration from the new trends it brings. Although it never pays to cling to trends too closely, they can be a great source of ideas that will add a little life when you find your space suffering from the wintertime blahs. Here’s my suggestion of five furniture trends to watch, that you can count on sticking around longer than a year.

Miniature vs. oversizedSmall space aficionados know that “condo-sized” furniture is no new invention. I’ve often said “go big or go home!” or maybe “go big and go home!” But lately people are also going the opposite route, and choosing a size extra small. Rather than compromising on versions of favourite furnishings shrunk slightly to fit into a compact floor plan, choose statement pieces – big or small – that will bring full satisfaction. how to Do it

› For the ultimate seating plan, fit in the largest sofa you can (for when one or two people are lounging comfortably) and add European-sized compact seats as side chairs to fit in the maximum number of guests during get-togethers.› Miniature chairs in particular are a trend – even beyond the usual 18-inch seat. Petite accent chairs (child sized or even smaller) are charming conversation pieces nestled up to a coffee table, and can be used as occasional side tables when you need to rest a book or beverage.

RugsOver the past few seasons we’ve really seen the return of the area rug, and now the magic carpet has officially landed. In a condo space

with hard floors, area rugs of all shapes and sizes are an excellent way to bring warmth, colour, and a feeling of home, even in the most modernist schemes. They look excellent paired with traditional furnishings or contrasted against sleek minimal forms. The timeless Persian rug especially brings a heritage appeal, although contemporary rugs come in endless patterns and prints to suit any taste. how to Do it

› For a living area, choose a rug large enough to tuck under all the furniture legs. Add a runner (a skinny rectangle) in a kitchen or hallway, or a large rug to any room for the feeling of carpeting (leaving approximately a 12-inch border around the room).› The inky tones in classic traditional rugs are neutral enough to blend into most schemes. For an already neutral space, consider this an opportunity to add some colour. You can roll the rug away or move it to a new room between seasons for a little change-up.

TuftingButton-tufting is a style invented for practical reasons: the buttons which hold a fabric to its backing (on a chair, headboard or anything upholstered) help keep stuffing in place by creating square or diamond-shaped pockets. The traditional look has lasted through centuries, and for 2014 it will be popular for modern settings as well. The geometric forms created by tufting can enrich the look of even the most streamlined sofa, and can be achieved without buttons for a more subtle quilted effect. how to Do it

› A tufted leather sofa is a must-have investment piece, for a look that speaks to luxury but is also practical. The material will hold up to wear and be easy to maintain. (Visit Zilli Home to see their current selections.)› Quilting isn’t just for pieces you sit on. It can also dress a cabinet front for a private club appeal. (Check out the Brick 69 storage unit available via Quasi Modo.)

A tufted leather sofa is a must-have investment piece, for a look that speaks to luxury but is also practical. The material will hold up to wear and be easy to maintain.

070 new conDo guiDe january 4 - 18, 2014 january 4 - 18, 2014 new conDo guiDe 071

yAnic simArD is the design editor of new Condo guide and principal designer of the toronto Interior design group. Specializing in residential and commercial projects, yanic often applies his signature high/low and old/new combination design techniques in developing unique interiors. Simard has created designs for clients in toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca.

OrigamiPeople have been developing a fascination with facets, and this love of all things angular is leading to a rise in the ancient art of Origami as an inspiration for complex bent forms in various areas of design. Like with tufting, the angles break up a material for visual interest and allow light to catch the item in different ways, adding the subtle drama that contemporary spaces have been missing in years past. how to Do it

› Table bases are an easily overlooked detail that can benefit from a more fun form. I recently found this chunky golden nugget of a side table to make a simple statement in a client’s home. (Order yours from boutiques like L’Atelier.)› Origami also makes for great art, brought to a large scale and in new materials, like the simple but intriguing Fold sculpture I recently spied at Avenue Road.

PlasticFor the most future-forward look, it’s hard to beat the appeal of plastic. With people once again celebrating colour, the vivid tones of translucent materials like acrylic and polycarbonate will be the ultimate source of a hue infusion. Semi-transparent materials work best grouped together (so their colours

overlap and intermingle) or near a light source that will shine through and spread the colour love around. how to Do it

› For a quick addition, a few floating shelves (such as the Shellfish series by Kartell, available through Elte) can brighten up a wall. You might not even want to bother finding anything to put on them.› To really make a synthetic statement, try a transparent coffee table or night stand. A piece like this visually floats to keep an airy look while adding a shock of colour that defines a furniture grouping.

produCt IMageS CourteSy oF eLte

072 new conDo guiDe january 4 - 18, 2014

hot dates

Until Jan 5

Canada’s Bridal Show

highlightS

Jan 11-12

Mozart Symphony 39

Jan 11-19

toronto international Boat Show

Until Mar 14

ice Skating at Natrel Rink

JanUary 2014Calendar of events taking place from January 4 – 18

Until Jan. 5Canada’s Bridal ShowMetRo toRoNto CoNveNtioN CeNtRe, NoRth BUildiNg, 255 FRoNt St. W.This is your one-stop shop for all your wedding needs, from attire to entertainment and everything in between. Enter contests for your chance to win $5,000 in prizes sponsored by Hudson’s Bay, free DJ services from Veriation Music, one of five diamond rings, and an all-inclusive honeymoon to Antigua sponsored by InStyle Vacations. Kevin Lee of Brides of Beverly Hills will be appearing live on January 5 – it’s fabulous! Tickets are available online and at the door.canadasbridalshow.com

Jan. 11-19toronto international Boat ShowdiReCt eNeRgy CeNtRe, exhiBitioN PlaCe, 100 PRiNCeS’ Blvd.Put some summer in your winter at this annual event, to educate, inspire and entertain the whole family. Explore over a million square feet of show space packed with awe-inspiring boats to see and tour, marine accessories ranging from canoes and kayaks to fishing rods and wakeboards, and free seminars, demonstrations and on-water entertainment. Visit online for additional information and to purchase tickets.torontoboatshow.com

Jan. 11-12Mozart Symphony 39Roy thoMSoN hall, 60 SiMCoe St.The Toronto Symphony Orchestra presents Mozart Symphony 39, a performance of one of his final symphonies performed by Ignat Slozhenitsyn. He performs as both conductor and soloist, performing Mozart’s “Piano Concerto No. 18.” The symphony has been described as charming and witty, and showcases Mozart’s true genius in theatre music, concertos and symphonies. Slozhenitsyn is a Russian-American conductor and pianist. He has also performed with the Moscow Symphony and the Moscow Philharmonic.tso.ca

Until Mar. 14ice SkatingNatRel RiNk 235 QUeeNS QUay WeStEnjoy a fun and free skate at the city’s most scenic skating rink, tucked behind York Quay Centre and set against the Lake Ontario shoreline – a winter-time tradition for 30 years! Strap on your helmet and skates (if you don’t own, there are rentals on site) and enjoy the crisp air and the beautiful scenery. Call 416.973.4866 or visit online for details.harbourfrontcentre.com

january 4 - 18, 2014 new Condo Guide 073

SkyCity2 by Pemberton Group Phase 1 is under construction at Yonge and Hwy. 7. Register now for Phase 2. Web: SkyCityCondos.com

Legacy Park by Liberty Development Register now for the grand finale at Thornhill City Centre – iconic architecture, urban suite designs and fabulous park views. Web: LegacyParkCondos.com

Daniels Erin Mills by The Daniels Corp. New landmark community coming soon to Erin Mills and Eglinton. Register to stay informed. Web: DanielsErinMills.com

Centro Square by Liberty Development A master-planned community in the heart of Woodbridge. Register now for Phase 2. Web: CentroSquare.ca

The Clairington by Castleridge Homes Active adult living in a park-side condominium in Brampton. Web: TheClairingtonCondos.com

Courtyards of Maple by Marino/Intercity/TriAxis European-inspired condos coming soon to Maple. Register now to stay informed. Web: CourtyardsOfMaple.com

Park City Condominiums By Tobyn Park Homes Currently in pre-construction at Walkers Line and Upper Middle Road in Burlington. Register now. Web: ParkCityLiving.ca

Rain Condominiums by Empire Communities New suite release at Rain Condominiums in Oakville. Register now. Web: RainCondos.com

previews & registrations

new releases & grand openings

Marquee Townhomes at Pinnacle Uptown by Pinnacle International Limited collection of 100 townhomes now on sale at Hurontario and Eglinton. Web: PinnacleUptown.com

HOT Condominiums by Great Gulf Phase 3 now available, offering boutique- style living in Erin Mills. Web: HotCondominiums.com

The Mark by Empire Communities Now open at Markham Road and Bur Oak. Remarkable residences. Remarkable Markham. Web: TheMarkCondos.ca

Fairground Lofts by Wycliffe Homes Urban lofts are coming to Woodbridge Village. Model suite and showroom now open. Web: FairgroundLofts.ca

Allegra by Nova Trimax Affordable luxury, steps from the Village of Woodbridge. Construction now underway on Phase 1. Web: AllegraCondos.com

Garden Court Condos by Monarch Now open in Markham. Visit the Experience Centre at 10350 Woodbine Ave. Web: MonarchGroup.net

PSV2 & Parkside Village Townhomes by Amacon Developments Offering the convenience of downtown living with the tranquility of a suburban context. Now open. Web: LifeAtParkside.com

Upper Village Markham by Greenpark North Tower now selling at UV2 in Markham. South Tower is sold and occupied Web: uv2.ca

905Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to [email protected]

coNdo watch

074 New coNdo GuIde january 4 - 18, 2014

IN THIS SECTION Maps and listings for new condo communities in the 905 region Builder news and the latest in condos in the 905

Your complete source for condos, lofts and townhomes in the 905 region

GTA EditionJanuary 4 - 18, 2014

905

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Brampton

Mississauga

Oakville

Caledon

Bolton

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25th

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Winston Churchill Blvd

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9th Line

10th Line

3rd Line2nd Line

5th Line4th Line

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Mavis Rd

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Rath

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Edenwood Dr

Derry

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Millcreek Dr

Erin Mills Pkwy

Mississauga Rd

Erin Mills Pkwy

Creditview Rd

38

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Burn

ham

thor

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Bronte Rd

6 Line Rd

Burn

ham

thor

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d E

Dunda

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Upper

Mid

dle

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Tremaine Rd

Nottinghill Gate

9 Line Rd

Lake

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E

4 Line Rd

Spee

rs Rd

Lake

shor

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W

Burloak Rd

Mac

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Kerr St

Trafalgar Rd

8 Line RdFord Dr

Devon Rd

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0

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* due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

East Gwillimbury

Bradford

Uxbridge

Scugog

Lindsay

Manvers

Newcastle

Georgina Island 33

AngusLisle

Everett

Lake Scugog

Bobcaygeon

Georgina

Sunnidale

Vespra

Wasaga Beach

Mara

Orillia

Bracebridge

Schomberg

Tecumseth and Tottenham

Adjala

MonoShelburne

King

Essa

Tosorontio

Thornbury

Lake Si

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Cannington

Barrie

Georgian Bay

Midland Tay

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OshawaWhitby

Alliston,

Beeton,

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400

11

11

400

400

400

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69

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27

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24

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21

36

key Maps

North

LAKE ONTARIOLAKE ONTARIO

HaldimandHaldimand

401

401

QEW

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7

403

403

CAMBRIDGE

Puslinch

Guelph

Ayr

6

68

6

3

3

3

Oakville

Milton

BurlingtonCarlisle

Flamborough

ParisStoney Creek

Dundas

Grimsby

Port Dover

Glanbrook

Ancaster

West Lincoln

Virgil

Niagara-on-the-Lake

Beamsville Vineland

Port Dalhousie

Lincoln

Thorold

Chippawa

Scotland

St. George

Fonthill

Fort Erie

Welland

Nanticoke

New Credit

Dunnville Port Colborne

Halton Hills

HAMILTON

ST. CATHARINES

NIAGARA FALLS

BRANTFORD

To LONDON

MISSISSAUGA

BRAMPTON

15

key Maps

further West

*Th: Townhomes, c: condo076

084-Condo_Maps&List.indd 5 20/12/13 16:33:00

905

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Brampton

Mississauga

Oakville

Caledon

Bolton

Hurontario St

25th

Sid

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d


1st Line W

Fork

s of t

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redi

t Rd

Bramalea Rd

Wal

ker R

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4th Line

Heart Lake Rd

McLaughlin Rd

Bost

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d

10th

Side

road

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ool R

d

Heritage Rd

Mississauga Rd

Creditview Rd

Chinguacousy Rd

Heart Lake Rd

50

20th

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Sixth Line

9th Line

10th Line

3rd Line2nd Line

5th Line4th Line

King

St E

Airport Rd

Torbram Rd

Goreway Dr

Dixie Rd

Bramalea Rd

McVean Dr

Clarkway Dr

Gore Rd

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Derry

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Mississauga Rd

Erin Mills Pkwy

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6 Line Rd

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thor

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Upper

Mid

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Nottinghill Gate

9 Line Rd

Lake

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E

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Spee

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Lake

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W

Burloak Rd

Mac

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Kerr St

Trafalgar Rd

8 Line RdFord Dr

Devon Rd

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410

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401

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25

27

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344

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# builder Site Telephone Th* c* Price Range Page finder

Attention builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

*Th: Townhomes, c: condo

highlighted listings are advertised in this issue of condo guide. Please refer to page number for complete information. 077

2 gREAT guLf hoMES Twenty Lombard 416-499-8883 • from $492,000 22-23 16k

7 gREAT guLf hoMES HOT 905-828-4257 • from $274,000 24 16M

45 EMPiRE coMMuNiTiES Rain Condominiums 905-845-7246 • from $200,000 6 17Q

3 cASTLERidgE hoMES clairington 905-793-0002 • from $200,000 16E

4 coNSERvAToRy gRouP Mirage 905-232-2400 • from $270,000 20k

5 AMAcoN PSv2 905-273-9333 • 18M

8 fERNbRook hoMES Absolute World 416-869-6057 • • from $188,000 21k

8 ciTyZEN Absolute World 416-869-6057 from $188,000 21k

10 AMAcoN The Residences at Parkside village 905-273-9333 • from $250,000 21k

12 ALTERRA hoMES Renaissance in olde brampton 416-710-1010 • from $295,000 13d

14 PEMbERToN gRouP Rosedale village golf & country club 905-799-5000 • • from $346,000 12E

16 vANdyk coMMuNiTiES Windows on the green 905-822-3333 from $300,000 17M

17 PEMbERToN gRouP downtown Erin Mills condominiums 905-630-6300 • from $320,000 6c

18 RETiREMENT LifESTyLE coMMuNiTiES Palisades on the glen 905-820-8210 • from $290,000 17M

19 uNiTEd LANdS Stonebrook ii 905-822-8858 • 22N

21 cASiNo bAy dEv. coRP./ToddgLEN Panoramic Point at brewery bay 1-866-611-5525 • from $264,000 7Q

27 iNZoLA gRouP Park Place 905-451-7001 • from $310,000 14g

30 PiNNAcLE iNTERNATioNAL Pinnacle grand Park 2 905-276-3981 • from $250,000 20L

32 ARMouR hEighTS dEvELoPMENTS River’s Edge 905-533-2400 • from $285,000 14A

34 PiNNAcLE iNTERNATioNAL Pinnacle uptown, crystal 2 905-568-9000 • from $255,000 19k

35 AShLEy oAkS gRouP Emporium at Joshua creek 905-618-0660 • from $200,000 17P

38 TRidEL coRPoRATioN Metrogate - ventus 2 416-293-5535 • • from $302,000 19J

38 TRidEL coRPoRATioN ventus at Metrogate 416-293-5535 • • $344,000 19J

46 MATTAMy hoMES The Mount Pleasant village mattamyhomes.com • from $200,000 20M

47 ThE dANiELS coRPoRATioN daniels Erin Mills 905-306-6996 • from $200,000 17M


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ThornhillMarkham

Richmond HillMaple

404

404

400

400

7

407

407407 4077

77

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Major Mackenzie

Hw

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Ald

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Denison St

11 Co

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Carlton Rd

Hwy 7

14 Ave

Yon

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Hen

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John St

Steeles Ave E

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King-Vaughan RdCo

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50

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Steeles Ave W

Clarence St

Kip

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alley Cr

Major Mackenzie

Jane St

Langstaff Rd

Rutherford Rd

Keele St B

athu

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Du

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Clark Ave W

Centre St

King Rd Yon

ge St

Jefferson Sideroad

Bloomington Sideroad

Leslie St

Bayview

Ave

19th Ave.

Yorklan

d St

Neal D

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Elgin Mills Rd

Regent St

Major MacKenzieMill St

Gamble Rd

Den

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Dr

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16th Ave.10

13

3231

2

15

45

3412

62

22

40

2641

20

2925

11

124

4

8

1

2343

14

# builder Site Telephone Th* c* Price Range Page finder




highlighted listings are advertised in this issue of condo guide. Please refer to page number for complete information.

City ofPickering

Town ofAjax

Town ofWhitby

Town ofO shawa

401

401

401

28

key MapsEast

078

13 LibERTy dEvELoPMENT coRP. Legacy Park 905-731-8302 • from $280,000 37 10g

31 PEMbERToN gRouP Sky City 905-709-5700 • from $320,000 9 12f

32 LibERTy dEvELoPMENT coRP. Royal Gardens 905-889-9997 • from $240,000 35 14f

44 LibERTy dEvELoPMENT coRP. Centro Square Condos 2 905-851-8877 • 36 4g

46 EMPiRE coMMuNiTiES The Mark 905-554-5015 • from $250,000 6 21E

1 MoNARch coRPoRATioN garden court 416-495-3595 • 16d

2 fLATo dEvELoPMENT Arthouse 905-554-8722 from $200,000 22E

4 TRidEL coRPoRATioN Renaissance of Richmond hill 416-736-9500 • from $740,000 12g

7 MiNTouRbAN coMMuNiTiES iNc. Watergarden 416-915-3800 • from $254,000 11g

10 gREAT LANdS coRP. The beverly hills Resort Residences 905-882-6636 • from $250,000 13f

11 TRiAxiS dEvELoPMENT iNc/MARiNo dEvELoPMENTS courtyards of Maple 416-798-7070 • from $390,000 8E

12 gREENPARk hoMES uv2 905-554-6501 • from $253,000 22f

13 LibERTy dEvELoPMENT coRP. Legacy Park 905-731-8302 • from $280,000 10g

14 REMiNgToN gRouP The Signature condominium 905-948-9900 • from $250,000 18f

20 SoLMAR dEvELoPMENT coRP bellaria Residences 905-417-8482 • from $240,000 7E

22 QuAdRA MgT. & ScEPTRE dEvS. Renaissance court at Woodbridge gates 905-851-4220 • from $505,000 3g

22 WycLiffE hoMES fairground Lofts 905-605-5900 • from $340,000 3g

24 LibERTy dEvELoPMENT coRP. The fountains 905-731-8302 • from $272,000 10f

26 RicE dEvELoPMENT Ambria 905-796-3630 • from $340,000 3f

28 chESTNuT hiLL hoMES San francisco by the bay 905-831-3631 • • from $200,000 22c

31 PEMbERToN gRouP Miracle at yonge 905-709-5700 • from $280,000 12f

31 PEMbERToN gRouP Sky city 2 905-709-5700 • from $320,000 12f

32 SigNATuRE coMMuNiTiES TAo boutique condos 905-597-2535 • from $200,000 14f

34 SiERRA hoMES 68 Main Street 905-305-0822 • from $250,000 22f

40 NovA TRiMAx Allegra 905-850-6866 • from $250,000 1f

41 QuAdcAM dEvELoPMENT gRouP iNc vista Parc condominiums 905-850-8883 • from $260,000 3f

43 guiZZETTi dEvELoPMENTS grand Palace 905-907-4370 • from $295,000 12E

45 kyLEMoRE coMMuNiTiES The 6th Angus glen 905-887-9950 • 19E


PRESENTATION CENTRE LOCATED AT5044 HURONTARIO STREET (AT EGLINTON), MISSISSAUGA

(905) 568.9000 | MONDAY - THURSDAY: 1 - 7PM FRIDAY - SUNDAY & HOLIDAYS 12 - 6PM

NOW ON SALE!

MOVE IN SUMMER 2014


builder profile

10 Minutes with... elAd CANAdA iNC.’S

NeTANel beN-orCommuNiTy buildiNg iS A pASSioN for Netanel Ben-Or, vice-president of Development and Marketing for ELAD CANADA INC. He shares the ELAD CANADA team’s vision for Canada, to locate and purchase land that accommodates the creation of master-planned communities. “Our corporate philosophy for residential projects is to build true communities rather than a condominium here and there,” he says. “Master-planning offers the most value for our purchasers. We select locations that are near existing services and amenities, and we provide our own conveniences within each community. Right now, we are focusing on Toronto and Montreal, where there is a demand for more of these well-thought-out neighbourhoods.”

In North York, Emerald City is a brilliant example of this approach. Situated at Sheppard Avenue at Don Mills Road, Emerald City offers one of the most desirable locations in the Greater Toronto Area – a fact that drew ELAD CANADA’s attention. “We were very excited about this piece of property when we bought it in 2004,” Ben-Or says. “Being on the subway line with proximity to major highways including the 404, DVP and 401 is incredible. Residents have Fairview Mall across the street, as well as an assortment of parks, schools and services in the area. As we complete Block A, I can tell you that the results are even better than we expected.”

So far, the community is home to three condominium towers, plus a boutique condo, Biyu at Emerald City, and a selection of townhomes recently released for sale. “My responsibilities include the conceptual design of our communities and the marketing and positioning of our residences,” Ben-Or says.

“Emerald City is one of my favourite developments, and I have put my heart and soul into this community. Originally, we saw great potential here and looked at this community with optimism, which is what developers do. Occupancies in the towers started before the end of [2013], so the dream is coming true for suite owners and for us.”

He is careful to point out that Emerald City is still very much a work in progress, with five more towers to come. “When developing master-planned communities, we listen to feedback, take it seriously and consider it when we design the future buildings. We adjust to the market’s and the clients’ needs. It has been a pleasure to work with the City of Toronto’s Planning

piCTured Netanel Ben-Or, vice-president of Development and Marketing

for ELAD CANADA INC.

080 New CoNdo guide jANuAry 4 - 18, 2014 jANuAry 4 - 18, 2014 New CoNdo guide 081

SNAPSHOT

deVeloper ELAD CANADA INC.

Core VAlueSELAD CANADA INC. is committed to developing master-planned residential communities that create added value for both end-users and investors. The firm’s portfolio also includes the development of shopping malls, office complexes and senior homes in Quebec.

CurreNT proJeCTSELAD CANADA’s projects in Canada include several residential developments, shopping malls, office complexes and residential units in Montreal and Toronto. Currently under development, the firm offers Emerald City at Don Mills and Sheppard in Toronto; Cite Nature, a master-planned community adjacent to the Olympic Village pyramids in Montreal; and Le Nordelec, a historical building offering New York-style loft office spaces in the heart of the revitalized Montreal southwest sector. In total, ELAD CANADA is developing more than 5,000 condominium suites in Toronto and Montreal.

reCogNiTioNEmerald City is designed by WZMH Architects, a Toronto-based firm known for large-scale projects throughout the world. In 2011, the vision and master plan for Emerald City received an Honourable Mention at the Toronto Urban Design Awards. Jurors noted that the community is a model for the redevelopment of other similar residential clusters near suburban subway stops.

pAreNT CompANyELAD GROUP is well known for the restoration of The Plaza in New York, which is now both a hotel and a state-of-the art condominium development. The firm also operates in Asia, Europe and North America, with a strong base in New York properties.

wHy elAd CANAdA?Purchasers have the peace of mind of knowing that their condominium purchase is backed by a developer with impressive international experience and a reputation for integrity and quality in all aspects of developing master-planned communities. The professionals at ELAD CANADA have a tremendous base of expertise to call on when it comes to building people’s residential dreams.

Department and Council, as well as neighbourhood groups, to come up with such a beautiful urban design. The entire process has been most enjoyable.” Ben-Or is well versed in the parameters, as he holds a Master’s Degree in Civil Engineering from Technion – Israel Institute of Technology.

One of the highlights at Emerald City is the 50,000-sq.-ft. community centre for the use of residents. Now under construction with opening slated for 2014, this dynamic facility will feature an outdoor pool with a pavilion; a well-equipped gymnasium with a yoga room, aerobics/dance studio and change rooms; a YMCA-run day care; and a rooftop garden and green roof. “This is part of ELAD CANADA’s contribution as part of the development process with the City,” Ben-Or says. “The centre will add enjoyment and value for residents of all ages, especially the young families we have coming. The entire neighbourhood is changing in a positive direction.”

Diversity describes the response ELAD CANADA has had to Emerald City thus far. “We offer something for the spectrum of purchasers,” Ben-Or explains, “from 500-sq.-ft. one-bedroom suites to 1,200- and 1,300-sq.-ft. penthouses with two and three bedrooms. First-time buyers, young families, professional couples and empty-nesters are all seeing an ideal lifestyle in this community. Our buyers reflect Toronto’s multicultural mix as well. It’s all very exciting.”

The newest building coming soon is Biyu, a 13-storey midrise condominium that will encompass just 245 suites.

“The fascinating thing about Biyu is how it is situated within the neighbourhood,” Ben-Or says. “Emerald City is located at one of the highest points on Sheppard in North York. Even suites on the second floor will have unbelievable views. This is an intimate, sexy building with compact affordable suites, and it is already attracting a lot of attention.”

“ Master-planning offers the most value for our purchasers. We select locations that are near existing services and amenities, and we provide our own conveniences within each community. Right now, we are focusing on Toronto and Montreal, where there is a demand for more of these well-thought-out neighbourhoods.”

080 New CoNdo guide jANuAry 4 - 18, 2014 jANuAry 4 - 18, 2014 New CoNdo guide 081

new releases & grand openings

SQ at Alexandra Park by Tridel Grand opening now on at this master-planned community at Spadina and Queen. Web: Tridel.com

The HUB by Empire Communities Now open in this key Eg-West location. Get connected, live life on tomorrow’s fast lane. Web: EmpireTheHub.com

Dwell City Towns by Menkes New townhome community now open in Etobicoke. Visit the presentation centre. Web: Menkes.com

101 Erskine by Tridel New release: 1D+D suite featuring one bedroom plus den at Yonge and Eglinton. Web: Tridel.com/101erskine

The Epicurean by Monarch Experience a slice of the finer things in life, now open in The Kingsway. Web: MonarchGroup.net

Water Tower by Empire Communities Now open, a new urban waterscape offering inspired condo living in the Eau Du Soleil community. Web: EmpireWaterTower.com

Imperial Plaza by Camrost Felcorp Now under construction. Visit the new sales centre at 1499 Yonge St., north of St. Clair. Web: ImperialCondos.ca

Love Condominiums by Gemterra Grand opening continues. Visit the new sales centre and designer-decorated model suite at Sheppard and Birchmount. Web: LoveCondominiums.com

Westinghouse Lofts by Easton’s Group/Remington New release of lofts at King and Blue Jays Way. Register to stay up to date. Web: KingBlueCondos.com

88 Scott by Concert Real Estate Corp. The Award Series has arrived! Limited collection of one-bedroom, one-bedroom- plus-den and two-bedroom view homes. Web: 88Scott.com

Axiom Condos by Greenpark Homes Now open at Adelaide and Ontario St. Suites starting from the $200’s. Visit the presentation centre. Web: AxiomCondos.com

condo watch

416Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to [email protected]

Core Condos by CentreCourt Developments Coming soon in 2014 to the core of the city, near Church and Dundas. Register now. Web: CoreCondos.com

Chaz.Yorkville by 45 Charles Ltd. & Edenshaw Homes Coming soon: new release of spectacular Sky Residences Plus in this premier Yorkville neighbourhood. Register now. Web: ChazYorkville.com

Brownstones at Westown by Lindvest Discover tremendous value at Weston Road and Sheppard Avenue West. Visit online for floor plans, features and to register. Web: Lindvest.com

Smart House by Urban Capital/Malibu Intriguing, innovative, smart condos at Queen and University. Register for info. Web: SmartHouseToronto.com

1 Yorkville by Bazis/Plaza Coming soon to Toronto’s lap of luxury. Register online to stay informed. Web: 1Yorkville.ca

Harbour Plaza by Menkes Register now to connect with Toronto’s ultimate love/work/play address. Web: Menkes.com

previews & registrations

Twenty Lombard by Great Gulf Boutique living starts on the 34th floor at Yonge + Rich, with 150 private residences coming soon. Register now. Web: YongeAndRich.com

HighPark Condominiums by The Daniels Corp. Coming soon, where modern urban meets Mother Nature. Register today. Web: DanielsHighPark.com

Casa III by Cresford Grand opening of a new fashion icon in the heart of Yorkville. Lobby to be furnished with Hermés. Register now. Web: CasaCondominium.com

Ten93 by Pemberton Group Coming soon to Queen West and Dovercourt – an eclectic fusion of fashion, art, culture, creativity and style. Register now. Web: Ten93QueenWest.com

The Britt by Lanterra Developments Condos with European flair now open at Bay and Wellesley. Register now. Web: LanterraDevelopments.com

One Park Place by The Daniels Corp. Now on sale, the “one” place to be in downtown east. Register for more information. Web: DanielsOneParkPlace.com

Palazzo at Treviso III by Lanterra Developments Coming soon to Dufferin and Lawrence. Register now to stay informed. Web: TrevisoCondos.com

Cinema Tower by The Daniels Corp. World-class condo in the heart of the Entertainment District. Register now. Web: CinemaTowerCondos.com

Minto Longbranch by MintoUrban Communities Inc. Urban towns coming soon to the Long Branch neighbourhood. Register today. Web: MintoLongbranch.com

The Nest by Rockport Landing soon in Hillcrest Village. Register today to stay informed. Web: TheNestCondos.com

Harmony Village by City Core Developments Live in perfect harmony with comfort, convenience and culture, at Sheppard and Warden. Register today. Web: HarmonyVillage.ca

Biyu at Emerald City by ELAD Canada Coming soon, new condominiums at Emerald City, at Sheppard and Don Mills. Register now to stay informed. Web: BiyuCondos.com

082

IN THIS SECTION Maps and listings for new condo communities in the 416 region Builder news and the latest in condos in the 416

Your complete source for condos, lofts and townhomes in Toronto

GTA EditionJanuary 4 - 18, 2014

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

*TH: Townhomes, C: Condo

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Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

084

2 GREAT GuLF HOMES Yonge+Richmond 416-499-8883 • from $278,000 22-23 16K3 PINNACLE INTERNATIONAL The Marquee Townhomes on thePark pinnacleuptown.com • from $700,000 79 20K6 CRESFORD DEvELOPMENT CORP. Merton Yonge Condominiums 416-484-1900 • from $350,000 104 14E7 THE DANIELS CORPORATION High Park Condominiums 416-351-1844 • from $300,000 11 8L10 EMPIRE COMMuNITIES The HUB 416-784-3482 • from $250,000 6 9F15 TRIDEL CORPORATION 101 Erskine 416-480-0700 • from $855,000 IFC 14D23 TRIBuTE COMMuNITIES The College 416-363-4800 • from $320,000 51 M1425 TRIDEL CORPORATION Spadina Queen 416-661-1949 • from $308,000 IFC 15D26 BAzIS INC. No1 Yorkville 1yorkville.ca • 5 15I27 THE DANIELS CORPORATION One Park Place South Tower 416-955-0559 • from $200,000 41 18K28 EMPIRE COMMuNITIES Water Tower at Eau Du Soleil 416-503-3328 • from $320,000 7 25B52 CRESFORD DEvELOPMENT CORP. CASA III 416-486-2272 • from $250,000 103 15L58 GREAT GuLF HOMES Monde 416-466-8885 • from $300,000 18 17M124 PINNACLE INTERNATIONAL The Pinnacle on Adelaide 416-596-1600 • from $334,000 91 15M140 EDEN SHAW Chaz Yorkville Condos 416-922-0045 • from $350,000 39 16J149 CAMROST - FELCORP Imperial Plaza 416-925-2501 • from $450,000 3 15I150 ASPEN RIDGE HOMES Studio on Richmond 647-352-7736 • from $300,000 49 15M155 LIFETIME DEvELOPMENTS The Bond Condominiums 416-546-7525 • • 29 15G199 FIELDGATE HOMES 90 Niagara 90niagara.com from $350,000 64-65 14O202 BAzIS INC. E Condos 416-243-8688 • from $300,000 19 14E202 RIO CAN E Condos 416-243-8688 • from $300,000 19 14E202 METROPIA E Condos 416-243-8688 • from $300,000 19 14E215 DuNDEE KILMER DEvELOPMENTS Canary District Condominiums 416-603-7576 • from $250,000 44-45 18L217 PEMBERTON GROuP TEN93 Queen West 905-326-4100 • 8 12F217 BAYWOOD HOMES TEN93 Queen West 905-326-4100 • 8 12F218 MALIBu INvESTMENTS INC. Smart House 416-292-0219 • from $250,000 53 15L222 LAMB DEvELOPMENT CORP. The Harlowe 416-363-1771 • from $260,000 69 15M MENKES DEvELOPMENTS INC. Harbour Plaza menkes.com • Insert 1 GOLDMAN GROuP & LASH DEv. CORP. 530 St. Clair Ave. West 416-868-0500 • from $344,000 12H1 GOLDMAN GROuP & LASH DEv. CORP. the rushton rushtonliving.com • from $344,000 12H3 CONCORD ADEx Grand Parade 2 at Concord CityPlace 416-813-2999 • 15M3 CONCORD ADEx ParadeTWO Park Collection at Concord CityPlace 416-813-2999 • from $308,000 15M3 CONCORD ADEx Quartz 416-813-2999 • • 15M3 CONCORD ADEx Spectra 2 416-813-2999 • • 15N3 CONCORD ADEx Grand Parade 2 at Concord CityPlace 416-813-2999 • 15M4 GAIRLOCH INvESTMENTS 383 Sorauren 383sorauren.com 9L4 TRIDEL CORPORATION Aqualina at Bayside 416-514-2710 • from $350,000 16E5 ONNI GROuP OF COMPANIES Garrison at the Yards 416-260-2600 • from $190,000 14N5 ONNI GROuP OF COMPANIES West Lake 416-260-2600 • from $240,000 14N8 CRESFORD DEvELOPMENT CORP. NxT 2 416-977-5300 • • from $300,000 8N8 CRESFORD DEvELOPMENT CORP. NxT2/Phase Two 416-977-5300 • • from $210,000 8N8 CRESFORD DEvELOPMENT CORP. NxT 416-977-5300 • • from $300,000 8N9 ASPEN RIDGE HOMES vu 416-970-9500 • • from $370,000 16L11 MENKES DEvELOPMENTS INC. Pears on the Avenue 416-323-0100 • from $382,000 14I11 MENKES DEvELOPMENTS INC. 365 Church 416-591-7700 • from $250,000 14I12 NORTH DRIvE INvESTMENT The High Park 416-670-3699 • from $300,000 8L13 STREETCAR DEvELOPMENT Trinity Lofts 416-690-2988 • from $330,000 19L14 CANALFA GROuP Liberty Place 416-537-0047 • • from $170,000 12N16 FREED 155 REDPATH 416-996-5428 • from $210,000 14D17 ROCKPORT GROuP The Nest 416-223-0003 • from $250,000 11H18 uRBAN CAPITAL River City 416-862-0505 • • from $250,000 18L18 uRBAN CAPITAL River City 2 416-862-0505 • • from $250,000 18L19 KINGSTONE ROAD DEvELOPMENT The Glen 416-694-3333 • from $255,000 23H20 MENKES DEvELOPMENTS INC. Fabrik 416-591-7700 • from $250,000 14M20 TOWER HILL DEvELOPMENT CORPORATION 2221 Yonge 647-350-2221 • from $200,000 14E21 EASTON’S GROuP King Blue Condominiums 416-599-1355 • from $200,000 12N21 REMINGTON GROuP King Blue Condominiums 416-599-1355 • $200,000 12N21 EASTON’S GROuP Westinghouse Lofts 416-599-1355 • from $200,000 12N21 REMINGTON GROuP Westinghouse Lofts 416-599-1355 • from $200,000 12N22 MONARCH CORPORATION Picasso on Richmond 416-495-3549 • 14M22 TRIDEL CORPORATION Ten York 416-596-9888 • from $1020,000 12F24 GREENPARK HOMES Axiom Condominiums 647-352-4077 • from $225,000 17L26 BAzIS INC. One Yorkville 1yorkville.ca • 15I29 PINNACLE INTERNATIONAL Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 17M29 PINNACLE INTERNATIONAL 33 Bay Residences at Pinnacle Centre 416-925-3325 • from $375,000 17M30 TOWER HILL DEvELOPMENT CORPORATION Churchill Park Condominiums 416-966-9080 • from $900,000 13H32 MADISON HOMES The Madison 416-482-8090 • from $420,000 14E

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Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information. 085

33 LAMB DEvELOPMENT CORP. Riverside Towns 416-368-5262 • from $460,000 19L37 CRESFORD DEvELOPMENT CORP. Lofts 399 416-867-3999 • from $390,000 14L41 CONCORD ADEx Infinity The Final Phase 416-214-1988 • from $300,000 16M46 CONSERvATORY GROuP Milan 416-928-7409 • from $520,000 15I52 CRESFORD DEvELOPMENT CORP. CASA 2 416-977-1100 • from $250,000 15L54 TIMES DEvELOPMENTS INC. The 500 Condos + Lofts 416-960-0606 • from $400,000 17I55 MINTOuRBAN COMMuNITIES INC. King West 416-367-5464 • from $210,000 14M55 MINTOuRBAN COMMuNITIES INC. 775 King West 416-367-5464 • from $330,000 14M57 LANTERRA DEvELOPMENTS 3018 Yonge In Lawrence Park 416-787-8882 • from $390,000 14B59 LINDvEST B Streets 416-532-6636 from $320,000 13J60 CANALFA GROuP Liberty Central by the Lake 416-537-0047 • • 12N62 PEMBERTON GROuP The uptown Residences 416-987-3500 • from $950,000 16J64 LAMB DEvELOPMENT CORP. The Brant Park 416-368-5262 • from $262,000 14M66 E-PARK DEvELOPMENT Foundry Lofts 416-531-7760 from $399,000 9I66 EMSATEC CANADA INC The Brownstones 5 416-531-7760 • from $350,000 9I66 NEuDORFER CORPORATION Brownstones 416-531-7760 • from $305,000 9I70 MADISON HOMES The upper Canada Condominium 416-489-5194 • from $1800,000 14G70 STATE BuILDING GROuP The upper Canada Condominiums 416-489-5194 • from $1.8,000 14G78 EMPIRE COMMuNITIES Schoolhouse 416-979-1333 • from $595,000 13I81 LAMB DEvELOPMENT CORP. Flatiron Lofts 416-368-5262 from $243,000 20J83 TRIDEL CORPORATION 300 Front Street West 416-217-0300 • from $324,000 15M85 HARHAY DEvELOPMENTS One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 13M85 CARTTERA One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 13M88 FERNBROOK HOMES/CITYzEN DEv. Pier 27 Waterlink 416-367-3456 • from $800,000 17N94 DHD DEvELOPMENTS Condos at The Distillery 416-361-1322 • from $400,000 18L99 GREAT GuLF HOMES One Bloor Residences 416-922-0081 • from $535,000 15I101 LAMB DEvELOPMENT CORP. The King East 416-368-5262 • from $435,000 18L101 HARHAY DEvELOPMENTS East Condos & Lofts 416-368-5262 • from $310,000 18L102 PLAzA King West 647-341-1731 • from $346,000 13N103 MENKES DEvELOPMENTS INC. Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 15I103 LIFETIME DEvELOPMENTS Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 15I104 ASPEN RIDGE HOMES Seventy Seven Charles Yorkville 416-203-7034 • from $2100,000 14J106 CONTExT DEvELOPMENT INC. Market Wharf 416-861-8181 • from $260,000 17M106 CONTExT DEvELOPMENT INC. Library District Condominiums 416-861-8181 • from $222,000 17M109 THE BROWNSTONE GROuP OF COMPANIES Brownstones in Davenport village 416-531-7760 from $245,000 9J109 THE BROWNSTONE GROuP OF COMPANIES Brownstones on the Park 416-531-7760 • from $260,000 9J110 GREAT GuLF HOMES Charlie 416-927-9772 • from $251,000 14M114 PLAzA Ivory On Adelaide 647-341-1731 • from $279,000 17L117 BAzIS INC. Exhibit 416-967-7778 • 14I117 METROPIA Exhibit 416-967-7778 • 14I117 PLAzA Exhibit 416-967-7778 • 14I118 PEMBERTON GROuP u Condominiums 416-546-6605 • from $2500,000 15K120 THE DANIELS CORPORATION One Park West 416-955-0559 • from $406,000 18J120 THE DANIELS CORPORATION One Park Place Condominiums 416-955-0559 • from $200,000 18J122 THE DANIELS CORPORATION Festival Tower 416-203-2020 • from $350,000 M14126 GREAT GuLF HOMES x2 416-927-0080 • from $303,000 16J126 LIFETIME DEvELOPMENTS x2 416-927-0080 • from $303,000 16J128 LIFETIME DEvELOPMENTS Bisha Hotel & Residences 416-637-2211 • from $274,000 16M129 CONCERT PROPERTIES 88 Scott 416-216-8588 • 17M130 TRIANGLE WEST DEvELOPMENT Art Condos 416-535-7775 • from $530,000 12N131 LANTERRA DEvELOPMENTS Riverhouse at the Old Mill 416-766-7343 • from $520,000 5L131 TRIDEL CORPORATION Two Old Mill 416-645-7022 • from $356,000 5L131 TRIDEL CORPORATION Old Mill 416-645-7022 • from $450,000 5L133 TRIBuTE COMMuNITIES RCM I on university 647-351-9247 • from $393,000 14M134 TRIBuTE COMMuNITIES Queen & Portland 416-363-4800 • from $315,000 15I135 GRAYWOOD DEvELOPMENTS 5 St. Joseph 416-928-0555 • • from $250,000 16J135 MOD DEvELOPMENTS INC. 5 St. Joseph 416-928-0555 • • from $250,000 16J136 CANDEREL/STONERIDGE DNA 3 416-929-1030 • from $220,000 12N137 ALTERRA HOMES/FINER SPACE Post House Condominium 416-964-2777 • from $350,000 16L140 45 CHARLES LTD. Chaz Yorkville Condos 416-922-0045 • from $320,000 16J141 BSAR LTD 12 Degrees 416-408-1200 • from $350,000 15L142 ANDRIN HOMES The Berwick 416-922-9425 from $280,000 14D148 GRAYWOOD/BEAvERHALL DEvELOPMENT The Mercer 416-597-6940 • from $350,000 15M151 CITYzEN Backstage on the Esplanade 416-777-2533 17M151 FERNBROOK HOMES Backstage on the Esplanade 416-777-2533 17M151 FERNBROOK HOMES vero 416-798-7070 from $250,000 17M153 uRBAN CAPITAL Tableau Condominiums 416-591-8887 • • from $450,000 15L153 MALIBu INvESTMENTS INC. Tableau Condominiums 416-591-8887 • • from $350,000 15L153 ALIT DEvELOPMENTS Tableau Condominiums 416-591-8887 • • from $350,000 15L154 TRE MEMOvIA DEvELOPMENTS Carmelina 416-423-8500 • from $325,000 23J155 LIFETIME DEvELOPMENTS The Yorkville Condominiums 416-987-3344 • • from $550,000 15G157 CASTLEPOINT/CITYzEN/FERNBROOK L Tower 416-777-2533 • from $410,000 17L162 PIANOSI DEvELOPMENTS Perspective Condos 416-242-3500 from $280,000 4H165 SORBARA GROuP thirtytwo Camden 416-860-0060 • from $240,000 14L170 STREETCAR DEvELOPMENT 8 Gladstone 416-690-9009 • from $335,000 M12171 CAMROST - FELCORP Yorkville Plaza 416-966-3003 • • from $350,000 14H173 MIzRAHI | KHALILI DEvELOPMENTS 133 Hazelton Residence 416-926-9900 • 14I175 SORBARA GROuP 210 Simcoe 416-217-0210 • from $200,000 15M179 GRAYWOOD DEvELOPMENTS Five Condos 416-928-0555 • • from $375,000 15J179 MOD DEvELOPMENTS INC. Five Condos 416-928-0555 • • from $375,000 15J184 RESERvE PROPERTIES Rise 416-546-7399 • • from $290,000 12H184 RESERvE PROPERTIES Model Suite of the Month • 12H185 PEMBERTON GROuP Neon 416-987-7878 • from $470,000 14D186 STREETCAR DEvELOPMENT The Carlaw 416-690-8588 • from $200,000 19K188 GREENPARK HOMES Allure Condominiums 416-487-7600 • from $350,000 14F189 THE DANIELS CORPORATION Cinema Tower Condominiums 416-203-2020 • from $450,000 14M190 CRESFORD DEvELOPMENT CORP. 1000 Bay 416-485-3000 • 15J191 TRI-WIN DEvELOPMENTS INC FAD Condos 416-815-1818 • from $250,000 14M192 MINTOuRBAN COMMuNITIES INC. 30 Roe 416-915-3812 • from $350,000 14D193 BuRNAC CORPORATION South Hill on Madison southhillonmadison.com • from $200,000 13I195 LIFETIME DEvELOPMENTS INDx 416-987-4639 • 16M195 CENTRE COuRT DEvELOPMENT INDx 416-987-4639 • 16M197 STREETCAR DEvELOPMENT The Carnaby 416-690-9009 • from $250,000 12M198 MENKES DEvELOPMENTS INC. Noir 416-977-8780 • from $250,000 15M200 FREED SIxTY Colborne 416-601-0060 • from $300,000 16L200 CARTTERA SIxTY Colborne 416-598-7775 • from $300,000 16L201 SOLOTEx upper Beach Townes • 24G206 MOD DEvELOPMENTS INC. The Massey Tower 416-966-0197 • • from $320,000 16L207 RESERvE PROPERTIES 109Oz 416-531-4844 • from $300,000 12M210 CASTLEPOINT/NuMA The Sterling 416-777-2533 • • from $230,000 9L217 TORBEL GROuP Wallace Walk 416-531-1818 • from $210,000 9L218 uRBAN CAPITAL Smart House 416-292-0219 • from $250,000 15L219 TAS DESIGNBuILD Duke Condos junctionlife.ca 8K220 LAMB DEvELOPMENT CORP. King Charlotte 416-368-5262 • from $416,000 15M221 LAMB DEvELOPMENT CORP. Theatre Park 416-368-5262 • from $537,000 16M FREED Thompson Residences 416-360-0600 • from $280,000 MANSOuRI LIvING The Perry 416-926-7555 • from $390,000

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Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.


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21 TRIDEL CORPORATION Argento 416-663-1818 • from $562,000 BC 22E

121 LIBERTY DEvELOPMENT CORP. World on Yonge 905-771-7010 • from $284,000 35 A18

122 LANTERRA DEvELOPMENTS Treviso III 416-787-8882 • from $250,000 25 12F

123 BRANDY LANE HOMES The Station 416-398-9777 • from $420,000 63 12D

124 TRIDEL CORPORATION Trio at Atria 416-645-8866 from $259,000 IFC 24C

128 THE DANIELS CORPORATION NY2 416-221-3939 from $220,000 27 19C

1 CONCORD ADEx Opus 416-813-2999 • • 22C

2 TORBEL GROuP The Avanti Condominiums 416-636-0400 from $390,000 17C

3 YYzED PROJECT MANAGEMENT vISTO vistocondos.ca from $220,000 8E

4 TRIDEL CORPORATION Hullmark Centre 416-733-2883 • from $524,000 18D

4 TRIDEL CORPORATION Aristo at Avonshire 416-730-0300 • from $383,000 18D

5 LINDvEST The Brownstones at Westown lindvest.com from $330,000 4C

6 CONCORD ADEx Tango at Concord Park Place 416-813-2999 • • from $236,000 22C

6 CONCORD ADEx Discovery at Concord Park Place 416-813-2999 • 22C

6 CONCORD ADEx Discovery II at Concord Park Place 416-813-2999 • • from $210,000 22C

6 CONCORD ADEx Tango2 at Concord Park Place 416-813-2999 • from $265,000 22C

8 CONSERvATORY GROuP Pearl 2 Condominiums 416-512-1818 • 17C

14 TORBEL GROuP Diva DivaCondo.com from $250,000 11C

15 EMERY CONDOMINIuMS The Essential 905-887-4888 • from $250,000 20E

28 TRIDEL CORPORATION Alto at Atria 416-645-8866 • from $288,000 25D

33 CASTLE ROYALE DEvELOPMENT The Palm Condominium Residences 416-306-1000 • from $400,000 17B

37 NORSTAR GROuP OF COMPANIES Portrait Condominiums 416-282-9600 • from $300,000 13C

40 MENKES DEvELOPMENTS INC. Gibson Square 416-730-9722 • from $385,000 17C

50 MINTOuRBAN COMMuNITIES INC. 88 416-915-3805 • from $325,000 18C

50 DEvRON DEvELOPMENTS Flo Condominiums 647-799-0356 • from $250,000 18C

86 CANDEREL/STONERIDGE Aura At College Park 416-962-8688 • from $995,000 16K

94 DHD DEvELOPMENTS Gooderham 416-361-1322 • from $410,000 18L

95 ASPEN RIDGE HOMES Scenic on Eglinton 416-805-1781 • 23G

96 ELAD CANADA Emerald City Condominiums 416-492-0001 • from $248,000 24C

96 ELAD CANADA Dreamtower At Emerald City 416-492-0001 • from $248,000 24C

96 ELAD CANADA Biyu Emerald City biyucondos.com • from $250,000 24C

99 THE BROWN GROuP OF COMPANIES Willow Park at Bayview 416-221-6767 • from $400,000 21

101 KANTIuM DEvELOPMENT Posh Condominiums 905-771-0134 • from $544,000 16A

122 LANTERRA DEvELOPMENTS Treviso Condominiums 416-787-8882 • from $250,000 12F

122 LANTERRA DEvELOPMENTS Treviso II 416-787-8882 • from $250,000 12F

125 FRAM BuILDING GROuP LIv Lofts 416-445-5638 • from $250,000 22F

128 THE DANIELS CORPORATION NY Place 416-221-3939 • from $250,000 19C

130 TRIBuTE COMMuNITIES Canterbury 647-352-2130 • • from $700,000 19F

132 FRAM BuILDING GROuP/CADILLAC FAIRvIEW Flaire Condos 416-445-8868 • from $320,000 22F

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an R

d

Brim

ley Rd

Pharm

acy Rd

Ward

enA

ve

Ken

ned

y Rd

Danfo

rthAve

Eglinton Ave E

St. Clair Ave Kingston Rd

Birch

mo

un

t Rd

Lawrence Ave E

Mid

land

Ave

Beare R

d

Reeso

r Rd

Sewells R

d

Mead

ow

vale Rd

Passmore Ave

Neilso

n R

d

McC

ow

an R

d

Tapsco

tt Rd

McLevin Ave

Finch Ave E

McNicoll Ave

Ellesmere Rd

Sheppard Ave E

Huntingwood Dr

401

Progress Ave

Victo

ria Park

1

1

60

1

72

31

61

29 712

55

Etobicoke

Scarborough

finder# builder Site Telephone Th* c* Price Range Page finder






18 MoNARch coRPoRATioN Riva del Lago 416-495-3544 • from $350,000 insert 24c25 QuEENScoRP RESidENcES Watermark 416-354-2221 • from $307,000 95 19d28 LibERTy dEvELoPMENT coRP. Terrace on Danforth 416-987-7575 • from $235,000 35 2f38 ciTy coRE Harmony Village Sheppard harmonyvillage.ca from $238,000 38 2c44 TRidEL coRPoRATioN West Village 416-620-1887 • from $308,000 ifc 21f1 ESQuiRE hoMES Three Seven condos & Lofts esquirehomes.ca • from $210,000 11d1 WiNdcATchER dEvELoPMENT coRPoRATioN Atwater condos 905-271-5038 • from $280,000 12b2 hENdERSoN dEvELoPMENT LiMiTEd centro 416-296-1898 • from $185,000 6d2 STANToN RENAiSSANcE on The go Mimico 647-692-8417 • from $250,000 23c2 STANToN RENAiSSANcE on The go 647-692-8417 • from $250,000 23c4 MoNARch coRPoRATioN Nautilus at Waterview 416-203-6636 • from $400,000 25h5 MoNARch coRPoRATioN The Epicurean 416-495-3530 • from $250,000 23f6 coNSERvAToRy gRouP Altitude 416-321-1659 • from $230,000 25h7 gREAT guLf hoMES one Sherway condominiums 416-695-3535 • 16g7 MENkES dEvELoPMENTS iNc. one Sherway condominiums 416-695-3535 • 16g8 PEMbERToN gRouP Palais at Port Royal Place 416-239-8200 • from $260,000 23f10 LASh gRouP of coMPANiES cloud 9 condominiums 416-747-0199 • from $220,000 22b10 cARTTERA cloud 9 condominiums 416-800-0812 • from $240,000 22b11 cAMRoST - fELcoRP ilofts at Mystic Pointe 416-251-8888 • from $310,000 25g11 cAMRoST - fELcoRP california condos 416-251-8888 • from $242,000 25g15 gRAyWood/bEAvERhALL dEvELoPMENT ocean club 416-255-4663 • from $250,000 24c18 MoNARch coRPoRATioN Lago 416-495-3544 • from $200,000 24c20 dAviES SMiTh Eleven Superior 416-259-8882 • from $220,000 23c29 MoNARch coRPoRATioN Encore 416-495-3544 • 5d33 EMPiRE coMMuNiTiES beyond The Sea Star Tower condominiums 416-979-1333 • • from $400,000 24h34 AvERToN hoMES Evolution 416-747-9691 • from $250,000 22g35 TRidEL coRPoRATioN Parc Nuvo at Essex 416-231-0999 • from $456,000 22g37 AMExoN dEvELoPMENT coRPoRATioN South beach 416-252-3000 from $209,000 25h39 MoNARch coRPoRATioN Waterscapes 416-495-3544 • 26h42 TRidEL coRPoRATioN ventus at Metro gate 416-293-5535 • from $314,000 4c45 EdiLcAN dEvELoPMENT coRP. one valhalla 416-233-5554 • from $239,000 21f46 REMiNgToN gRouP Park Towers at iQ 416-253-5838 • from $220,000 22g50 PEMbERToN gRouP vivid condos 416-239-8200 • from $250,000 23f51 ALTERRA hoMES/fiNER SPAcE Westwood condominiums 416-239-9888 • from $250,000 23f55 TRidEL coRPoRATioN Avani At Metrogate 416-293-5535 • from $240,000 4c56 PhANToM dEvELoPMENTS Jade condominiums 416-762-8818 • from $293,000 24g60 youR hoME dEvELoPMENTS Nature’s Path 416-745-6686 • • from $270,000 11E61 vhL dEvELoPMENTS LTd. 2150 condos 416-750-2150 • 3E61 vhL dEvELoPMENTS LTd. haven on The bluffs 416-2611-9555 • from $160,000 3E62 RoyALE gRANd WoodbiNE dEvELoPMENTS Lexington 416-638-8444 • from $240,000 21c65 MiNTouRbAN coMMuNiTiES iNc. South Shore 416-913-2136 • from $350,000 22h70 fiRST AvENuE PRoPERTiES Qube condos 647-351-7823 • from $200,000 24g71 LASh gRouP of coMPANiES Me condos 416-430-0003 • from $150,000 8d

21 TRidEL coRPoRATioN Argento 416-663-1818 • from $562,000 bc 22E

121 LibERTy dEvELoPMENT coRP. World on Yonge 905-771-7010 • from $284,000 35 A18

122 LANTERRA dEvELoPMENTS Treviso III 416-787-8882 • from $250,000 25 12f

123 bRANdy LANE hoMES The Station 416-398-9777 • from $420,000 63 12d

124 TRidEL coRPoRATioN Trio at Atria 416-645-8866 from $259,000 ifc 24c

128 ThE dANiELS coRPoRATioN NY2 416-221-3939 from $220,000 27 19c

1 coNcoRd AdEx opus 416-813-2999 • • 22c

2 ToRbEL gRouP The Avanti condominiums 416-636-0400 from $390,000 17c

3 yyZEd PRoJEcT MANAgEMENT viSTo vistocondos.ca from $220,000 8E

4 TRidEL coRPoRATioN hullmark centre 416-733-2883 • from $524,000 18d

4 TRidEL coRPoRATioN Aristo at Avonshire 416-730-0300 • from $383,000 18d

5 LiNdvEST The brownstones at Westown lindvest.com from $330,000 4c

6 coNcoRd AdEx Tango at concord Park Place 416-813-2999 • • from $236,000 22c

6 coNcoRd AdEx discovery at concord Park Place 416-813-2999 • 22c

6 coNcoRd AdEx discovery ii at concord Park Place 416-813-2999 • • from $210,000 22c

6 coNcoRd AdEx Tango2 at concord Park Place 416-813-2999 • from $265,000 22c

8 coNSERvAToRy gRouP Pearl 2 condominiums 416-512-1818 • 17c

14 ToRbEL gRouP diva divacondo.com from $250,000 11c

15 EMERy coNdoMiNiuMS The Essential 905-887-4888 • from $250,000 20E

28 TRidEL coRPoRATioN Alto at Atria 416-645-8866 • from $288,000 25d

33 cASTLE RoyALE dEvELoPMENT The Palm condominium Residences 416-306-1000 • from $400,000 17b

37 NoRSTAR gRouP of coMPANiES Portrait condominiums 416-282-9600 • from $300,000 13c

40 MENkES dEvELoPMENTS iNc. gibson Square 416-730-9722 • from $385,000 17c

50 MiNTouRbAN coMMuNiTiES iNc. 88 416-915-3805 • from $325,000 18c

50 dEvRoN dEvELoPMENTS flo condominiums 647-799-0356 • from $250,000 18c

86 cANdEREL/SToNERidgE Aura At college Park 416-962-8688 • from $995,000 16k

94 dhd dEvELoPMENTS gooderham 416-361-1322 • from $410,000 18L

95 ASPEN RidgE hoMES Scenic on Eglinton 416-805-1781 • 23g

96 ELAd cANAdA Emerald city condominiums 416-492-0001 • from $248,000 24c

96 ELAd cANAdA dreamtower At Emerald city 416-492-0001 • from $248,000 24c

96 ELAd cANAdA biyu Emerald city biyucondos.com • from $250,000 24c

99 ThE bRoWN gRouP of coMPANiES Willow Park at bayview 416-221-6767 • from $400,000 21

101 kANTiuM dEvELoPMENT Posh condominiums 905-771-0134 • from $544,000 16A

122 LANTERRA dEvELoPMENTS Treviso condominiums 416-787-8882 • from $250,000 12f

122 LANTERRA dEvELoPMENTS Treviso ii 416-787-8882 • from $250,000 12f

125 fRAM buiLdiNg gRouP Liv Lofts 416-445-5638 • from $250,000 22f

128 ThE dANiELS coRPoRATioN Ny Place 416-221-3939 • from $250,000 19c

130 TRibuTE coMMuNiTiES canterbury 647-352-2130 • • from $700,000 19f

132 fRAM buiLdiNg gRouP/cAdiLLAc fAiRviEW flaire condos 416-445-8868 • from $320,000 22f


Lakeshore

Blvd W

Spadina Ave

University A

ve

Avenue Rd

Jarvis St

Dufferin

Spadina Rd

Gerard St E

Cosburn AveO'Conner Ave

Laird Dr Victoria ParkCoxw

ell Ave

Woodbine A

ve

St Clair Ave E

Don Valley

Parkway

Don V

alley

Park

way

Don V

alley

Park

way

Jane St

Keele St

Rogers Rd

Dufferin St

Vaughan RdEglinton Ave W

Eglinton Ave W

Weston Rd

Lakeshore

Blvd WQEWQEW

Landsdowne

Gardiner Expressway

1

2

1829

11

21

9

412

816

17 14

20

wate

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ron

ToA

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Toronto Waterfront

# builder Site Telephone Th* c* Price range Page finder

Attention builders - Want to add your community to our maps? need to update existing information? Please fax the details to 416-789-9554


highlighted listings are advertised in this issue of condo guide. Please refer to page number for complete information.088


58 greAT gULf Monde 416-466-8885 • • from$304,000 18 17M

1 PeMbertonGrouP ParkLakeresidences 416-769-4343 • • from$250,000 3f

3 concord Adex grand Parade 2 at concord cityPlace 416-813-0999 • 15M

3 concord Adex Quartz 416-813-0999 • • 15M

3 concord Adex ParadeTWo Park collection at concord cityPlace 416-813-0999 • from$308,000 15M

4 MonarchcorPoration nautilusatWaterview- 416-203-6636 • from$400,000 25h

4 trideLcorPoration aqualinaatbaysidetoronto 416-514-2710 • 16e

6 PLazacorP/berkLeycoMMunity West harbour city westharbourcity.com • from$327,000 13e

7 LifetiMehoMes Waterparkcity–neptune 416-203-3700 • 13f

8 concord Adex ParadetWotowerresidences 416-813-0999 • from$287,000 14f

8 concord Adex grand Parade at concord cityPlace 416-813-0999 • from293,000 14f

8 concord Adex PanoramaatconcordcityPlace 416-813-0999 • from$389,000 14f

8 concord Adex Panorama elite Suites at concord cityPlace 416-813-0999 • from$1,135,000 14f

8 concord Adex LunaVistaatconcordcityPlace 416-813-0999 • from$2,213,000 14f

8 concord Adex spectra 416-813-0999 • • 14f

8 cresforddeVeLoPMentcorP. nXtatWindermerebytheLake 416-977-5300 • • from$300,000 11f

8 cresforddeVeLoPMentcorP. nXt2/Phasetwo 416-977-5300 • • from$210,000 4e

9 conServATory groUP infinitycondominiums 416-214-1988 • from$250,000 14f

11 caMrostfeLdcorP californiacondominiums sunsetcondos.ca • from$242,000 25G

14 cAnALfA groUP Liberty on the Park condominiums 416-537-0047 • from$363,000 10f

15 MaLibuinVestMentsinc. Ltd 416-601-2223 • from$200,000 12f

18 fernbrookhoMes/cityzendeV. Pier 27 residences on The Lake 416-367-3456 • from$300,000 11f

18 urbancPitaL rivercity2 416-862-0505 • from$250,000 18L

29 PinnacLeinternationaL 33bayresidenceatPinnaclecentre 416-925-3325 • • from$375,000 17M

60 canaLfaGrouP LibertycentralbytheLake 416-537-0047 • 12n

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401

409

QEW

Horner Ave

Queensway

Ro

yal York R

d

Evans AveGardiner Expressway

Lakeshore Blvd E

Park Lawn

Mill Rd

Ran

forth

Dr

Dundas St W

Bloor St W

Rathburn Rd

Scarlett Rd

Martin

Gro

ve Rd

Albion Rd

Hu

mb

erline D

r

Finch Ave W

Rexdale Bv

Kip

ling

Ave

Isling

ton

Ave

Dixon Rd

Westway

27

25

11

16 28

20

1421815

Brampton

Torbram Rd

Goreway Dr

Dixie Rd

Bramalea Rd

McVean Dr

Clarkway Dr

Gore Rd

Bova

ird D

r.

Coun

trysid

e Dr

Airport Rd


Wan

less D

rive/

Cons

erva

tion

Dr

Embleton Rd

Sand

alwoo

d Pk

wy

Queen

St W

Queen

St W

Main St N East

Dr

Hwy 10

Stee

les A

ve W

Kennedy Rd S

McMurchy Ave SHwy 7

Torbram Rd

Goreway Dr

Dixie Rd

Bramalea Rd

McVean Dr

Clarkway Dr

Gore Rd

Bova

ird D

r.

Coun

trysid

e Dr

Airport Rd


Wan

less D

rive/

Cons

erva

tion

Dr

Embleton Rd

Sand

alwoo

d Pk

wy

Queen

St W

Queen

St W

Main St N East

Dr

Hwy 10

Stee

les A

ve W

Kennedy Rd S

McMurchy Ave SHwy 7

Mor

ning

Star

Dr

Drew

Rd

Derry

Rd E

Airport Rd

Cour

tney

Park

Dr

Brita

nnia

Rd E


Mat

heso

n Blvd

E

Eglin

ton

Ave

Brita

nnia

Rd W

Hurontario St

Matheso

n Blvd E

Cere

mon

ial D

r

Central Pkwy E

Burn

ham

thor

pe Rd

W

Rath

burn

Rd

EDu

ndas

St E

Fieldgate Dr

The Q

ueen

sway

Dixie Rd

QEW

Spea

kman

Dr

Sher

idan

Park

Dr

Trus

cott

Dr

Lake

shor

e Rd W

Roya

l Win

dsor

DrQu

een

St W

Indian Rd

Cawthra Rd

Queen

St E

Ridgeway Dr

Colonial Dr

The C

olle

geway

Erindale Station Rd

Mavis Rd

Wolfedale Rd

Winston Churchill BlvdRa

thbu

rn R

d W


Edenwood Dr

Derry

Rd W Millcreek Dr

Erin Mills Pkwy

Mississauga Rd

Erin Mills Pkwy

Creditview Rd

4 Line Rd

Burn

ham

thor

pe R

d W

Bronte Rd

6 Line Rd

Burn

ham

thor

pe R

d E

Dund

as St

WUp

per M

iddl

e Rd

Tremaine Rd

Nottinghill Gate

9 Line Rd

Lake

shor

e Rd

E

4 Line Rd

Spee

rs Rd

Lake

shor

e Rd W

Burloak Rd

Mac

Dona

ld R

d

Kerr St

Trafalgar Rd

8 Line Rd Ford Dr

Devon Rd

Corn

wall

Rd

Brid

ge Rd

410

401

QEW

QEW

403

401

403

25

Mississauga

11

6

10

912

Oakville

1

etobicoke Waterfront

WhitbyWaterfront

East Gwillimbury

Bradford

Uxbridge

Scugog

Lindsay

Manvers

Newcastle

Georgina Island 33

AngusLisle

Everett

Lake Scugog

Bobcaygeon

Georgina

Sunnidale

VespraWasaga Beach

Mara

Orillia

Bracebridge

Schomberg

Tecumseth and Tottenham

Adjala

MonoShelburne

King

Essa

Tosorontio

Thornbury

Lake Si

mcoe

Cannington

Barrie

Georgian Bay

Midland Tay

Oro

OshawaWhitby

Alliston,

Beeton,

Hw

y 50Keswick

400

11

11

400

400

400

48

401

48

7

69

69

93

27

27

9

910

24

89

90

oakvilleWaterfront

further north Waterfront

MississaugaWaterfront

# builder Site Telephone Th* c* Price range Page finder

Attention builders - Want to add your community to our maps? need to update existing information? Please fax the details to 416-789-9554




25 QueenscorPresidences Watermark 416-354-2221 • from$307,000 95 19d

28 eMPirecoMMunities Water Tower at Eau Du Soleil 416-503-3328 • from$320,000 7 25b

1 WindcatcherdeVeLoPMentcorP. Atwater condos 905-271-5038 • from$280,000 12b

2 stantonrenaissance on The go 647-692-8417 • from$250,000 23c

5 unitedLands Stonebrook condominiums 905-822-8858 • from$270,000 9e

8 chestnuthiLLdeVeLoPMent sanfranciscobythebay 905-831-3631 • • from$180,000 23J

10 PeMbertonGrouP bluwatercondominiums 416-987-8800 • from$350,000 5J

11 MonarchcorP. Waterscapes 416-495-3544 • from$390,000 25c

13 GreenhiLLhoMes PrincetonManor 905-849-1818 • from$210,000 6G

14 PhantoMdeVeLoPMents JadeWaterfrontcondos 416-251-0707 • from$250,000 24G

15 GrayWooddeVeLoPMents oceanclub 416-255-4663 • from$250,000 24c

18 MonarchcorP. Lago 416-495-3544 • insert 24c

20 daViessMith elevensuperior 416-259-8882 • from$220,000 23c

401401

401

4 Sidelin

e R

9 Concession

12 Sidelin

e

8 Concession

6 Sidelin

e

4 Sidelin

e

Lake Rid

ge R

Brawley Rd

Myrtle Rd W

Co

chran

e

Columbus Rd

Ash

bu

rn R

d

Halls R

d N

Co

un

try Lane7 Concession

4 Sidelin

e R

6 Concession

20 Sidelin

e

16 Sidelin

e

Central StB

rock R

d

16 Sidelin

e

Padd

ock R

d 7

Bro

ck Rd

28 Sidelin

e

30 Sidelin

e

9 Concession

24 Sidelin

e

No

rth R

d

7 Conncession

32 Sidelin

e

Whitevale Rd

32 Sidelin

e

No

rth R

d

5 Concession

16 Sidelin

e

Bro

ck Rd

Green

wo

od

Rd

Ch

urch

St N

Fifth Conces

Lakeridg

e Rd

Salem R

d

Au

dley R

d

Westn

ey Rd

N

Co

ron

ation

R Co

un

try Lane

Salem R

d

Taunton Rd E

Ro

seban

k Rd

Alto

na R

d

Wh

ites Rd

4 Concession4 Concession

Alto

na R

d

3 Concession

Fairpo

rt Rd

Dixie R

d

Liverpo

ol R

d

Major O

aks R

Valley Farm

Bro

ck Rd

Rossland Rd

Riversid

e Dr

No

tion

Rd

Bro

ck Rd

Squ

ires Beach

Rd

Sand

y Beach

Montgomery F

Highview Rd

Ap

pleview

Rd

Stroud'sGlenanna Rd

Liverpo

ol R

d

Bayl

y

Granite CourtWh

ites Rd

Rougemount D

Lake Drivew

a

Harw

oo

dA

ve

Westney Rd S

Finley

Ave

Delaney Dr

Magill Dr

Kingston Rd

Raven

scroft

Bayly St E

Tow

nlin

e Rd

Dundas St E

Au

dley R

d

Ajax-W

hitb

yTaunton Rd W

McQ

uay B

v

Rossland Rd

Gard

en St

Bald

win

St S

Tho

rnto

n R

d

Thickso

n R

d

Conlin Rd

Stevenso

n R

d

Taunton Rd W

Conlin Rd

Ritso

n R

d N

Tow

nlin

e Rd

.

Mary St N

Beatrice St

Cen

tral Park

Gran

deview

S

Adelaide Ave

King St EHarm

on

y Rd

S

Gran

deview

S

Wentworth St

Park Rd

S

Adelaide Ave

Bond St W

Cen

tre St.

Olive Ave

Bloor St.

Garrard

Rd

King St W

Rossland Rd

Ken

dalw

oo

d R

Gibb St

Manning Rd

An

derso

n St

Gard

en St

Ho

pkin

s St

Phillip Murr

Stevenso

n R

d

Park Rd

S

Bloor St

Simcoe St S

Wilso

n R

d S

Bro

ck St S

Wentworth St

Blair St

Tho

rnto

n R

d

Hen

ry StB

rock

St N

Blair St

Ced

arbro

ok T

Bald

win

St ND

uffs R

d

12

Garrard

Rd

Harm

on

y Rd

N

Wilso

n R

d N

Stevenso

n R

d

Garrard

Rd G

rand

eview S

8 Concession

Rossland/Winchester R

Church St E

7

Finch Ave

Go

rdo

n St

Sho

al Poin

t Rd

Pickering

Beach

Rd

Ch

urch

St SSpru

ce Hill

Kingston Rd

Sheppard Ave

Ritso

n R

d S

Dryden Bv

Simcoe St N

Co

chran

e St

8

City ofPickering

Town ofAjax

Town ofWhitby

Village ofBrooklin

Town ofOshawa

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Published by

// by Lydia McNutt

treNdspottiNg

colour Interiors are taking a cue from an unconventional source in 2014. Think Apple’s iPhone, and imagine how those vibrant shades, clean lines and glossy finishes would translate to interiors. That’s exactly what II BY IV Design did when conceiving the bright, bold palette of Minto’s latest midtown address. We chatted with II BY IV’s Dan Menchions to get his thoughts behind the design.

Techno

092 New coNdo guide january 4 - 18, 2014 january 4 - 18, 2014 New coNdo guide 093

Q As a designer, what is your modern technology must-have?A The one piece of technology I cannot live without is my iPad. I love its intuitive nature, both in design and user functionality. The simplicity and clarity of the screen is fantastic. Thankfully, it is compact enough to go anywhere I do.

Q Aside from aesthetics, how has technology inspired Minto30Roe?A Lighting – There is a multi-faceted canopy over the front desk lit with LED lights to highlight

each of the angled surfaces. This has become a beautiful feature to welcome guests as they enter the space.

WiFi – The entire building is wired for WiFi, similar to what you would find at a hotel. It is part of a bigger movement we are seeing in condominium development where buyers are seeking hotel-style amenities within the building.

Q How do you keep it cool, without being “cold”? (Translation: A home should feel warm and livable, how do you achieve that in this ultra-modern setting?)A It is important to select colours and textures that warm up your space. Fabrics with great patterns and textures will help make a space feel more inviting. The same for choosing to feature a colour. Both of these elements can have a big impact on the space when trying to warm it up.

Q The look is very forward-thinking and futuristic. How do you ensure this style has staying power?A The look is definitely meant to be forward-thinking. We have focused on making the interiors of Minto30Roe a statement without being trendy. As a client, Minto has been really great to work with because they truly encouraged innovative thinking on this project, and were not afraid to make bold choices with their interiors.

Q What are the three words that come to mind when you think of this interior design?A Innovative. Creative. Approachable.

092 New coNdo guide january 4 - 18, 2014 january 4 - 18, 2014 New coNdo guide 093

Minto30Roe is gearing up to be one of midtown’s most desirable new addresses. From an overhanging sculptural canopy, to playful striped wall-coverings, and spiral staircases dressed in tangerine glass, the entire concept behind 30Roe will make condo owners feel inspired, like they’re walking into a piece of art when they arrive home each day.

The sleek 34-storey tower is under construction in the Yonge and Eglinton neighbourhood, with occupancy scheduled for December 2015. The building’s one-bedroom to two-bedroom-plus-den suites range from 503 to 945 sq. ft., and are priced from the low $300,000s.

Minto is widely known for sustainability leadership, and 30Roe is set to continue this legacy, meeting Leadership in Energy and Environmental Design (LEED) Gold standards. Without compromising the aesthetic of the sophisticated interiors, the team at Minto has incorporated eco-friendly products through all phases of development. minto.com

ii BY iV Design was founded in 1990 by partners Dan Menchions and Keith Rushbrook. For more information and to see their work, visit iibyiv.com.

AbouT THe

pRojecT

094 New coNdo guide january 4 - 18, 2014

queenscorp.com | 416.354.2221

3609 Lake Shore Blvd. W., Suite 104, Toronto, ONMonday to Thursday 1:00pm to 7:00pmSaturday, Sunday and Holidays 12:00pm to 5:00pm

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All prices & specifi cations are subject to change without notice. E.&O.E. All Illustrations are artist’s concept only. Brokers Protected - some conditions apply.

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resource sectionYou love the condo, see what You can afford!

Compare mortgage rates for your best deal

Calculate your mortgage payments using the mortgage payment calculation chart

homebuyers’ help

condo buyers’

Calculate your mortgage payments

01 Calculate the combined monthly before-tax income of you and your spouse.

02 Divide by three. This figure is the monthly payment you can afford to make on your condo.

03 Take the total price of the condo and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

04 Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

05 Multiply this figure by the amount you need to borrow. Divide by 1,000.

06 Add to this your estimated monthly heating costs and monthly property taxes.

07 If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream condo.

interest rate

example: 5%

chart figure

5.82

mortgage amount ÷ 1,000

125 (mortgage amount $125,000)

monthly payment

$25 years

amortization period

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

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

homebuyers’ help

098 new Condo GuIde january 4 - 18, 2014 january 4 - 18, 2014 new Condo GuIde 099

3.00% 9.65 6.90 5.54 4.73 4.21

3.25% 9.76 7.02 5.66 4.86 4.34

3.50% 9.88 7.14 5.79 4.99 4.48

3.75% 9.99 7.26 5.91 5.13 4.61

4.00% 10.11 7.38 6.04 5.26 4.76

4.25% 10.23 7.50 6.17 5.40 4.90

4.50% 10.34 7.63 6.30 5.53 5.04

4.75% 10.46 7.75 6.44 5.67 5.19

5.00% 10.58 7.88 6.57 5.82 5.34

5.25% 10.70 8.01 6.74 5.96 5.49

5.50% 10.82 8.14 6.85 6.10 5.64

5.75% 10.94 8.27 6.98 6.25 5.79

6.00% 11.07 8.40 7.12 6.40 5.95

6.25% 11.19 8.53 7.26 6.55 6.11

6.50% 11.31 8.66 7.41 6.70 6.26

6.75% 11.43 8.80 7.55 6.85 6.42

7.00% 11.56 8.93 7.69 7.00 6.59

7.25% 11.68 9.07 7.84 7.16 6.75

7.50% 11.81 9.21 7.99 7.32 6.91

7.75% 11.94 9.34 8.14 7.47 7.08

8.00% 12.06 9.48 8.28 7.63 7.25

8.25% 12.19 9.62 8.44 7.79 7.42

8.50% 12.32 9.76 8.59 7.95 7.59

8.75% 12.45 9.90 8.74 8.12 7.76

9.00% 12.58 10.05 8.86 8.28 7.93

9.25% 12.71 10.19 9.05 8.45 8.10

9.50% 12.84 10.33 9.20 8.62 8.28

9.75% 12.97 10.48 9.36 8.78 8.45

10.00% 13.10 10.63 9.52 8.95 8.63

10.25% 13.24 10.77 9.68 9.12 8.80

10.50% 13.37 10.92 9.84 9.29 8.98

10.75% 13.50 11.06 10.00 9.46 9.16

11.00% 13.64 11.22 10.16 9.63 9.34

11.25% 13.77 11.36 10.32 9.80 9.52

11.50% 13.91 11.52 10.49 9.97 9.70

11.75% 14.04 11.66 10.65 10.15 9.88

12.00% 14.18 11.82 10.81 10.32 10.06

12.25% 14.32 11.97 10.98 10.49 10.25

12.50% 14.46 12.13 11.15 10.67 10.43

12.75% 14.59 12.28 11.31 10.85 10.61

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

% amortization periods

InTeresT raTes

10 years

15 years

20 years

25 years

30 years

mortgage payment calculation chart

098 new Condo GuIde january 4 - 18, 2014 january 4 - 18, 2014 new Condo GuIde 099

CharTered banKs Variable 6 months 1 year 2 years 3 years 4 years 5 years

aTB Financial 2.7 2.94 2.89 3.19 3.59 3.79 6.30op 6.30op 6.50op

alterna Svgs/alterna Bk 3 4 3.09 3.14 3.19 3.35 3.59 6.30op 6.30op

Bank of Montreal 3 4 3.24 3.24 4.05 4.84 3.89 6.30op 6.30op

Bank of nova Scotia 2.7 4.55 3.75 3.89 2.89 4.39 3.59 6.45op 6.50op

Canadian Western Bank 4 3.14 3.14 3.95 4.74 5.34 6.45op 6.30op

CIBC 3 3.09 3.14 2.99 3.59 3.79 6.70op 6.35op

HSBC Bank Canada 3 4.45 2.7 3.95 3.13 4.99 3.69 6.20op 6.35op

ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.89

InG Direct 3 3.19 3.24 3.59 3.69 4.09

Manulife Bank 2.8 4.45 3 3.2 3.35 3.45 3.74 4.00op

MonCana Bank 3.69 3.75 3.79 3.79 3.69

national Bank n/a 4.4 3.14 3.14 3.95 4.74 5.34 6.70op 6.70op

President’s Choice Financial 3 3.24 3.59 3.69 4.09

royal Bank 3 4 3.14 3.14 3.85 3.49 3.79 6.30op 6.30op

TD Canada Trust 3 3.09 3.14 3.95 4.74 3.79 6.30op

airline Financial C.u. 4 3.01 3.1 3.33 3.65 3.99 6.25op

Luminus Financial 2.95 3.05 3.1 3.55 3.65 4.05 3.95

TrusT CompanIes

Community Trust n/a 6.5 3.14 3.25 3.95 4.74 5.34

Effort Trust n/a 4.45 3.25 3.6 3.95 4.7 4.95 6.30op 6.30op

Home Trust Company 2.65 3.95 2.89 2.89 3.09 3.39 3.54

Investors Group Trust n/a 4.2 3.14 3.14 3.95 4.74 5.34 6.50op 6.30op

MTCC 2.7 4.55 3.75 3.89 2.89 4.39 3.59 6.45op 6.50op

oTher FInanCIal InsTITuTIons

Comtech Credit union 2.95 6.2 2.99 3.25 3.29 3.24 3.59 6.40op 6.30op

First national Fin. LP 3.95 2.99 2.79 3.09 3.39 3.59

FirstOntario C.u. 2.7 3.09 3.14 3.34 3.39 3.59 6.34op 6.34op

London Life n/a 4.2 3.14 3.14 3.95 4.74 5.34 6.50op 6.30op

MCaP 2.7 3.6 3.95 4.35 4.89 5.14 7.00op

Meridian Credit union 2.75 4 3.09 3.14 3.65 3.49 3.59 6.30op

Parama Credit union 2.85 2.95 3.05 3.25 3.4 3.6

Steinbach Credit union 2.5 2.5 2.7 2.9 3.05 3.25

homebuyers’ help

Compare mortgage rates for your best deal

notes **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. all rates are prime rates and subject to change without notice.r.o.r. raTES On rEQuEST op OPEn ----- nOT QuOTInG n/a nOT aVaILaBLEDec. 16, 2013. Prepared By Fiscal agents Financial Information Services 905.844.7700

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Cityplace - Newton 30-31

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Lanterra Developments - The Britt 11

Lanterra Developments - Treviso III 25

Liberty Development Corp. - Centro Square Condos 2 36

Liberty Development Corp. - Legacy Park 37

Liberty Development Corp. - Royal Gardens 35

Liberty Development Corp. - Terrace on Danforth 35

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Lifetime Developments - The Bond Condominiums 29

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Menkes Developments Inc. - Corporate Insert

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MintoUrban Communities Inc. - LongBranch 55

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Pinnacle International - The Marquee Townhomes on thePark 79

Pinnacle International - The Pinnacle on Adelaide 91

Queenscorp Residences - Watermark 95

Rio Can - E Condos 19

The Daniels Corporation - Corporate Insert & 57

The Daniels Corporation - High Park Condominiums 15

The Daniels Corporation - NY2 27

The Daniels Corporation - One Park Place South Tower 41

Tribute Communities - The College 51

Tridel Corporation - 101 Erskine IFC

Tridel Corporation - Argento BC

Tridel Corporation - Corporate IFC

Tridel Corporation - Spadina Queen IFC

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index of advertisers

102 new Condo Guide january 4 - 18, 2014

i n s p i r e d o p e n i n g s

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*Prices and specifications are subject to change without notice. Illustration is artist’s concept only. Building and view not to scale. Tridel® Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. December 2013.

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tridel.com*Price, sizes and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale. All dimensions are approximate and subject to normal construction variances. Dimensions may exceed the useable fl oor area. Furniture is displayed for illustration purposes only and does not necessarily refl ect the electrical plan for the suite. Suites are sold unfurnished. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. December 2013.

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