Calgary New Home Guide - Jan 30, 2015

INSIDE THIS ISSUE

WHY YOU SHOULD USEA MORTGAGE BROKER

HOW TO CHOOSE THE RIGHTLIGHTING FOR YOUR HOME

THE BENEFITS OF BUYING A NEW HOME

Jan 30 - Feb 27, 2015 Volume 18 Issue 2

NOW COMESSMART STANDARD

www.creationsbyshane.com

Be a part of the conversation

144 Ave NW Calgary

Nolan H

ill

Gate NW

Shaganappi Tr NW

Symons Valley ParkwaySarcee Tr NWNolan Hill Drive NW

Stoney Trail NW

Nola n Hi l l B l v d NW Nolan H ill Blvd NW

Future Nolan Hill Blvd NW

Beacon HillShoppingCentre

URBANACREATIONS BY SHANE HOMES

NOLAN HILL

Visit Us Today!Presentation Centre Now Open!519 Nolan Hill Drive NW, CalgaryCall Deb or Jamie at 403-536-2315 for more information.

Hours of OperationMon - Thurs: 2:00 - 8:00 pmSat, Sun & Hol: Noon - 5:00 pm

STREET TOWNSCreations by Shane Homes Introduces

in Nolan Hill, NW Calgary

NOW SELLING! Presentation CentreNOW OPEN!

Luxuriously Appointed Two Storey Attached Homes

with a Double Detached Garage.Includes front and rear landscaping,

fenced back yard and a finished patio/deck.

2 & 3 bedroom models ranging from 1,368 - 1,580 sq. ft. available.

$300’s*

starting from the upper

NO CONDO FEES!

*Price includes house, lot and GST. Subject to change without notice.

second floor: 694 sq. ft.ALDYN main floor: 674 sq. ft.

MAIN674 sq. ft.

674 sq. ft.

SECOND694 sq. ft.

704 sq. ft.

TOTAL1,368 - 1,378 sq. ft.

kitchen

mudroom

4 SH

4 SH

4 SH

dining10’10 x 9’8

great room11’10 x 11’8

patio / deck10’ x 10’

foyer

veranda4’8 x 6’

D.W. Ref.

UP

DN DN

W.I.C.

W.I.C.

ensuite

ensuite

W/D

owner’s suite11’5 x 12’4

owner’s suite11’5 x 12’1

op

en

to b

elo

w

B10 | L13

B11 | L7

Visit our Show Home1761 Baywater Road SW, Airdrie

Questions?(403)465-2709

Learn MorePier11Airdrie.com

QUICK POSSESSIONS AVAILABLE NOWLearn more about Pier 11 homes online and comevisit our beautiful Airdrie show home today.

LOOKINGFOR A

NEW HOME?It’s only a tap away.

NewHomeAndCondoGuide.caGET STARTED NOW ATDOWNLOAD THE APP

Find the perfectnew home or condo in the neighbourhood that fi ts your lifestyle.

Start searching now!

4

Visit our Show Home1761 Baywater Road SW, Airdrie

Questions?(403)465-2709

Learn MorePier11Airdrie.com

QUICK POSSESSIONS AVAILABLE NOWLearn more about Pier 11 homes online and comevisit our beautiful Airdrie show home today.

LOOKINGFOR A

NEW HOME?It’s only a tap away.

NewHomeAndCondoGuide.caGET STARTED NOW ATDOWNLOAD THE APP

Find the perfectnew home or condo in the neighbourhood that fi ts your lifestyle.

Start searching now!

WINNER 2014

JAY-3665 8.25x10.75 FinancialResize_JAN13.indd 2 2015-01-14 2:32 PM

discover why we’re the 2014 MORTGAGE BROKERAGE OF THE YEARand how we can help you purchase your dream home.

6

WINNER 2014

JAY-3665 8.25x10.75 FinancialResize_JAN13.indd 2 2015-01-14 2:32 PM

discover why we’re the 2014 MORTGAGE BROKERAGE OF THE YEARand how we can help you purchase your dream home.

IN EVERY ISSUE

8 Editor’s note

COLUMNISTS

16 Calgaryism Why should you consider buying a new home? by Cody Battershill

38 Insight Are you ready to landscape? by Brad Jackman

44 The Homebuying Process Choosing the right lighting for your new home by Donna Moore

46 Mortgage Mogul Why use a mortgage broker? by Jason Eldridge

IN THE NEWS

18 Homes by Avi Homes by Avi Group a finalist for 2014 National SAM Awards

30 In the News Calgary housing outlook: record years give way to still solid growth by Wayne Karl

32 Homes by Avi brings its popular semis back to Walden with new showhomes

40 In the News Calgary to still be among leaders in price growth this year by Wayne Karl

HOMEBUYERS’ HELP

22 Shane Homes Tofino II model home proving to be popular with buyers by Heather Ryan

47 Homebuyers’ Resource Section Mortgage calculator and rate table

contentsJANUARY 30 - FEBRUARY 27, 2015 || VOLUME 18 ISSUE 2

ON THE COVER

p. 12JAYMAN MASTERBUILTadds new automated system to its list of new home standards

PRESIDENT, WALL2WALL MEDIA

Jacqueline HillEDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeDIRECTOR OF SALES, NATIONAL

Josh Heppner SENIOR SALES MANAGER, WESTERN CANADA

Edwin RizarriART DIRECTOR

Tammy Leung

EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

Melanie Gowans Senior Media Consultant

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

PRODUCTION CO-ORDINATOR

Greg Van SluytmanGRAPHIC DESIGNERS

Mihail TerentievMANAGER OF PRODUCTION

Bala GnanapandithanNATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys FOR ADVERTISING INQUIRIES PLEASE CONTACT:

403.200.8462FOR NATIONAL ADVERTISING INQUIRIES CALL:

416.263.6783

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

COPYRIGHT 2015All rights reserved by New Home Guide, Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

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

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

district maps

Published By

22

32

38

15 Northwest

25 Okotoks

27 Airdrie

29 Southeast

35 Cochrane

37 Calgary South Region

41 Southwest

43 Northeast

45 Calgary East Region

DATE:19 Jan 2015

Produced by

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

Fax: 403.287.9915

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

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

File Name TC-13206 NHG FP Jan30 v4.inddPublication New Home Guide Insertion Jan 30, 2015 - Issue 02Client Trico Homes Size 10.33” x 1.6429” w/bleedsFonts used Helvetica Neue LTPicture infoProducer GS Revision # Reference # Page #1 of fi le DO NOT ALTER THIS ARTWORK WITHOUT CONTACTING TRICO HOMES

FRONT GARAGE & LANED HOMES • DUPLEXES • TOWNHOMES & CONDOS | BUILDING IN 16 COMMUNITIES IN CALGARY & SURROUNDING AREAS

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

You’ve ChangedBUT YOUR HOME HASN’T

Change is what keeps life exciting. Families transform, fi nancial situations ebb and fl ow; needs

evolve. And you…well you’ve grown and that’s a big change. And the house you once loved so

dearly, no longer feels the same. | Trico understands that. So we’ll do whatever it takes to help

you fall in love again — whether it’s a spacious kitchen, versatile family space or being close to

schools and parks — we’ll help guide you through the decisions that will match the perfect home

to your changing needs. | We’re not just building homes…we’re building comfort.

TC-13206 NHG FP Jan30 v4.indd 1 2015-01-22 8:51 AM

10 NEW HOME GUIDE | JAN 30 - FEB 27, 2015

Forget what you might have heard recently about housing in Canada being overvalued by 30

per cent (Bank of Canada) or, worse, more than 60 per cent (Deutsche Bank).

Over the long term, real estate is proving to be a prized possession, indeed. � is is particularly true with new homes.

� ere’s that old adage in real estate – and the stock market – urging you to “buy low, sell high.” Who wouldn’t love to do that? But how would you ever know when “low” is, and when “high” is actually the highest?

Perhaps the most realistic, if humorous, suggestion for how to look at this equation comes from mortgage

Buy ‘low’ and enjoy your decisionNew homes are a prized possession

New home experienceMake wise choices and enjoy the process

When only a new home will do, those in the market will be pleasantly surprised by the

exceptional value and attention to detail a new home o� ers.

When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint.

If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one:» Shop the mortgage market to see

what you can a� ord before you start your hunt;

» Obtain a lawyer who is willing to review your o� er and close the deal;

» Don’t be persuaded by high pressure sales tactics while you’re out shopping;

» Determine which options and upgrades you want as part of your o� er and ensure your lender will � nance what’s required, if needed;

» To save money, consider which upgrades you could purchase and install yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

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

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

//EDITOR’S NOTE

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

Follow me on Twitter at Twitter.com/SusanLegge

WAYNE KARL EDITOR Wall2Wall [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

broker Calum Ross: “� ere are two times that real estate values matter – when you buy and when you sell. What happens in between is no more relevant than the total cash you have in the middle of a game of Monopoly.”

So, if you’re looking at the long term with your home purchase, which experts stress you should do, you’re not likely to be a� ected by any short term £ uctuations in value.

Various stories, quoting various sources, in this issue (and at newhomeandcondoguide.ca) provide evidence of the long-term performance of housing. So take heart in knowing you’ve made a good decision.

DATE:19 Jan 2015

Produced by

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

Fax: 403.287.9915

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

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

File Name TC-13206 NHG FP Jan30 v4.inddPublication New Home Guide Insertion Jan 30, 2015 - Issue 02Client Trico Homes Size 10.33” x 1.6429” w/bleedsFonts used Helvetica Neue LTPicture infoProducer GS Revision # Reference # Page #1 of fi le DO NOT ALTER THIS ARTWORK WITHOUT CONTACTING TRICO HOMES

FRONT GARAGE & LANED HOMES • DUPLEXES • TOWNHOMES & CONDOS | BUILDING IN 16 COMMUNITIES IN CALGARY & SURROUNDING AREAS

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

You’ve ChangedBUT YOUR HOME HASN’T

Change is what keeps life exciting. Families transform, fi nancial situations ebb and fl ow; needs

evolve. And you…well you’ve grown and that’s a big change. And the house you once loved so

dearly, no longer feels the same. | Trico understands that. So we’ll do whatever it takes to help

you fall in love again — whether it’s a spacious kitchen, versatile family space or being close to

schools and parks — we’ll help guide you through the decisions that will match the perfect home

to your changing needs. | We’re not just building homes…we’re building comfort.

TC-13206 NHG FP Jan30 v4.indd 1 2015-01-22 8:51 AM

11

Forget what you might have heard recently about housing in Canada being overvalued by 30

per cent (Bank of Canada) or, worse, more than 60 per cent (Deutsche Bank).

Over the long term, real estate is proving to be a prized possession, indeed. � is is particularly true with new homes.

� ere’s that old adage in real estate – and the stock market – urging you to “buy low, sell high.” Who wouldn’t love to do that? But how would you ever know when “low” is, and when “high” is actually the highest?

Perhaps the most realistic, if humorous, suggestion for how to look at this equation comes from mortgage

Buy ‘low’ and enjoy your decisionNew homes are a prized possession

New home experienceMake wise choices and enjoy the process

When only a new home will do, those in the market will be pleasantly surprised by the

exceptional value and attention to detail a new home o� ers.

When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint.

If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one:» Shop the mortgage market to see

what you can a� ord before you start your hunt;

» Obtain a lawyer who is willing to review your o� er and close the deal;

» Don’t be persuaded by high pressure sales tactics while you’re out shopping;

» Determine which options and upgrades you want as part of your o� er and ensure your lender will � nance what’s required, if needed;

» To save money, consider which upgrades you could purchase and install yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

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

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

//EDITOR’S NOTE

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

Follow me on Twitter at Twitter.com/SusanLegge

WAYNE KARL EDITOR Wall2Wall [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

broker Calum Ross: “� ere are two times that real estate values matter – when you buy and when you sell. What happens in between is no more relevant than the total cash you have in the middle of a game of Monopoly.”

So, if you’re looking at the long term with your home purchase, which experts stress you should do, you’re not likely to be a� ected by any short term £ uctuations in value.

Various stories, quoting various sources, in this issue (and at newhomeandcondoguide.ca) provide evidence of the long-term performance of housing. So take heart in knowing you’ve made a good decision.


//COVER STORY

A home builder that already excites buyers with its fabulous list of standard features is adding a

new element aimed at those who love to stay in tune with today’s technology.

Jayman MasterBUILT has launched a new home automation system that will come standard in all of its new single-family homes. This feature, called The Jayman Connected Home System, will allow homeowners to control systems in their home such as lighting, temperature, security, door locks and garage doors (if applicable) with a touch of their fingertips.

“It’s integrated into multiple systems in the home, and homeowners can control it from a panel inside the

home and/or on any mobile device, your Android, Blackberry or iPhone, or tablet like your iPad,” says Jayman’s Marketing Director Careen Chrusch. “There is an app that goes onto your device so you can control your system from anywhere, even when on vacation.

“Homeowners can also add other things to the system if they choose and, once it’s in use, the system can anticipate when you’re coming home and turn up the lights and the heat,” she adds.

“We’re really excited to be able to offer this and respond to the needs of our buyers who have been asking for this type of tech savvy feature,” Chrusch says. “I think we’re the first home builder in Calgary to offer it as a standard feature.”

Jayman, which partnered with Creative TSI on the Connected Homes System, will provide homebuyers with instruction from an expert on how to operate the system as well as six months of free Gold Service (they’ll get a preferred rate after that).

“It’s a great benefit to our buyers because it’s fully scalable, so they can add things at any time, it can be controlled from your desktop computer or any mobile device or tablet and, most important to buyers, it can save them money on utility costs,” Chrusch says.

Jayman MasterBUILT is also making waves in Mahogany with its two showhomes – Blackstone and Inverness that feature three bedrooms, 2.5

» by HEATHER RYAN

JAYMAN MASTERBUILT

adds new automated system to its fabulous list of standards

JAYMAN MASTERBUILT | Multi-site

bathrooms, oversized 22-by-24-ft. garages and fully developed walkout basements.

“The showhomes are very well received and we get nothing but positive comments from people,” says area manager Jennifer Underwood. “They love the designs, the open plans and the high standards that Jayman includes.”

The 2,462-sq.-ft. Blackstone showcases a finished basement with Jayman’s entertainment option highlighted by a wet bar and media area. The main floor wows buyers with its gourmet kitchen, while upstairs is a central bonus room and master with luxury ensuite.

The 2,504-sq.-ft. Inverness showcases Jayman’s fitness option in the basement, which is highlighted by a fitness area, home management centre and media area. The main floor draws people’s attention with its stunning herringbone patterned hardwood floor, while upstairs people love the lavish master’s his and her ensuite that gives them their own vanities (hers also has a makeup table) and walk-in closets.

Jayman offers 10 different models in Mahogany, and “we always have spec homes so we have quick possessions available,” Underwood says. “We’re currently building in two phases and have a wide selection of lots available. We’re also opening two new

showhomes in the fall.” Mahogany – the 2013 CHBA-

Calgary Region SAM Award winner for Community of the Year and 2014 CHBA Alberta Awards of Excellence winner for Community Development – is a major draw for buyers because it offers a four-season playground centred around Calgary’s largest fresh water lake – Mahogany Lake – and construction is underway on the 22,000-sq.-ft. Mahogany Beach Club and Main Beach Site, slated for completion in 2015.

For more information, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends noon to 5 p.m., or visit jayman.com

JAYMAN MASTERBUILT


JAN 30 - FEB 27, 2015 | NEW HOME GUIDE 13

//COVER STORY

A home builder that already excites buyers with its fabulous list of standard features is adding a

new element aimed at those who love to stay in tune with today’s technology.

Jayman MasterBUILT has launched a new home automation system that will come standard in all of its new single-family homes. This feature, called The Jayman Connected Home System, will allow homeowners to control systems in their home such as lighting, temperature, security, door locks and garage doors (if applicable) with a touch of their fingertips.

“It’s integrated into multiple systems in the home, and homeowners can control it from a panel inside the

home and/or on any mobile device, your Android, Blackberry or iPhone, or tablet like your iPad,” says Jayman’s Marketing Director Careen Chrusch. “There is an app that goes onto your device so you can control your system from anywhere, even when on vacation.

“Homeowners can also add other things to the system if they choose and, once it’s in use, the system can anticipate when you’re coming home and turn up the lights and the heat,” she adds.

“We’re really excited to be able to offer this and respond to the needs of our buyers who have been asking for this type of tech savvy feature,” Chrusch says. “I think we’re the first home builder in Calgary to offer it as a standard feature.”

Jayman, which partnered with Creative TSI on the Connected Homes System, will provide homebuyers with instruction from an expert on how to operate the system as well as six months of free Gold Service (they’ll get a preferred rate after that).

“It’s a great benefit to our buyers because it’s fully scalable, so they can add things at any time, it can be controlled from your desktop computer or any mobile device or tablet and, most important to buyers, it can save them money on utility costs,” Chrusch says.

Jayman MasterBUILT is also making waves in Mahogany with its two showhomes – Blackstone and Inverness that feature three bedrooms, 2.5

» by HEATHER RYAN

JAYMAN MASTERBUILT


JAYMAN MASTERBUILT | Multi-site

bathrooms, oversized 22-by-24-ft. garages and fully developed walkout basements.

“The showhomes are very well received and we get nothing but positive comments from people,” says area manager Jennifer Underwood. “They love the designs, the open plans and the high standards that Jayman includes.”

The 2,462-sq.-ft. Blackstone showcases a finished basement with Jayman’s entertainment option highlighted by a wet bar and media area. The main floor wows buyers with its gourmet kitchen, while upstairs is a central bonus room and master with luxury ensuite.

The 2,504-sq.-ft. Inverness showcases Jayman’s fitness option in the basement, which is highlighted by a fitness area, home management centre and media area. The main floor draws people’s attention with its stunning herringbone patterned hardwood floor, while upstairs people love the lavish master’s his and her ensuite that gives them their own vanities (hers also has a makeup table) and walk-in closets.

Jayman offers 10 different models in Mahogany, and “we always have spec homes so we have quick possessions available,” Underwood says. “We’re currently building in two phases and have a wide selection of lots available. We’re also opening two new

showhomes in the fall.” Mahogany – the 2013 CHBA-

Calgary Region SAM Award winner for Community of the Year and 2014 CHBA Alberta Awards of Excellence winner for Community Development – is a major draw for buyers because it offers a four-season playground centred around Calgary’s largest fresh water lake – Mahogany Lake – and construction is underway on the 22,000-sq.-ft. Mahogany Beach Club and Main Beach Site, slated for completion in 2015.

For more information, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends noon to 5 p.m., or visit jayman.com

JAYMAN MASTERBUILT


...bike@thepark, mmellows@dark, people@play, noises go away, bonfires lite, friendships

ignite, escape town, paradise found.”@4AllFlowers

your life at watermark is waiting Imagine the luxury community lifestyle you’ve always wanted. Majestic estate lots. Unparalleled amenities for the whole

family. Easy access to recreation and shopping facilities. Acres of parkland and paved pathways, all set on the edge of the sprawling foothills, within easy reach of the glorious Rocky Mountains. That’s Watermark at Bearspaw. Built to savour the

moments that really matter, it’s a community where coming home means leaving the everyday behind. But don’t take our word for it—ask anyone who lives here. Custom or quick possession homes beginning at $1.2 Million.

To see just how luxurious family living can be, visit one of our showhomes or visit MyLifeAtWatermark.com14

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

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

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

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

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

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

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

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

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

02 ROYAL OAK DEVELOPER: Birchwood Properties BUILDERS: Birchwood Properties

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

04 SAGE HILL DEVELOPER: United Communities BUILDERS: Pacesetter Homes

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

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

08 KINCORA DEVELOPER: Melcor BUILDER: Excel Homes

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

›› NORTHWESTCOMMUNITIES

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

BOW TRAIL

PAN

OR

AM

A R

OA

D

COUNTRY HILLS BLVD.

CROWCHILD TRAIL

16 AVENUE

16 AVENUE

64 AV

CEN

TRE

STR

EET

14 S

TREE

T

JOHN LAURIE BLVD.

17 AVENUE

ROC

KY

RID

GE

ROA

D

12 C

OU

LEE

MIL

E RO

AD

17 AVENUE

85 S

TREE

T

69 S

TREE

T

37 S

TREE

T

SAR

CEE

TR

AIL

OLD BANFF COACH ROAD

S T

ONE

Y TR

AIL

NO

SE H

ILL

DR

IVE

SHAG

ANN

API

TRA

IL

ROC

KY RIDGE

BLVD

COUNTRY HILLS BLVD.

AIL

SARCEE TR

AIL

BEDDINGTON

HARV

EST

HIL

LS

SYMO

NS VALLEY ROAD

SHAGANAPPI TRAIL

128 AVE.

144 AVE. NW

SARC

EE T

RAIL

O

NOSE HILL PARK

STONEY TRAIL

STO

NEY

TRAI

L

BEAR

SPAW

RO

AD

WO

ODL

AND

ROAD

HWY 1A

northwest

Showhomes: 1228 Sherwood Blvd.

Tuscany Hillside Estates

Developer: Carma

7

Builders: Landmark Homes | Albi Homes

CityLife

Developer: Birchwood Properties

Milano9 11

Builders: Birchwood PropertiesBuilders: Trico Homes

Sherwood

Developer: Genesis Development Corp.

5

Builders: Majestic Homes

Showhomes: Sherwood Crescent NW

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

Beacon Heights

Developer: Intergulf Cidex

6

Builders: Trico Homes/Intergulf Cidex

Kincora

Developer: Genesis Land Development Corp. | Apex Developments

Hanson Ranch

Developer: Cedarglen Homes | Cardel Homes

8 10

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

Builders: Genstar

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

1

4

2

6

5

3

8

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

910

11

12

13

18

14

1517

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

...bike@thepark, mmellows@dark, people@play, noises go away, bonfires lite, friendships

ignite, escape town, paradise found.”@4AllFlowers

your life at watermark is waiting Imagine the luxury community lifestyle you’ve always wanted. Majestic estate lots. Unparalleled amenities for the whole

family. Easy access to recreation and shopping facilities. Acres of parkland and paved pathways, all set on the edge of the sprawling foothills, within easy reach of the glorious Rocky Mountains. That’s Watermark at Bearspaw. Built to savour the

moments that really matter, it’s a community where coming home means leaving the everyday behind. But don’t take our word for it—ask anyone who lives here. Custom or quick possession homes beginning at $1.2 Million.

To see just how luxurious family living can be, visit one of our showhomes or visit MyLifeAtWatermark.comJAN 30 - FEB 27, 2015 | NEW HOME GUIDE 15

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

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

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

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

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

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

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

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

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

02 ROYAL OAK DEVELOPER: Birchwood Properties BUILDERS: Birchwood Properties

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

04 SAGE HILL DEVELOPER: United Communities BUILDERS: Pacesetter Homes

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

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

08 KINCORA DEVELOPER: Melcor BUILDER: Excel Homes

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

›› NORTHWESTCOMMUNITIES

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

BOW TRAIL

PAN

OR

AM

A R

OA

D

COUNTRY HILLS BLVD.

CROWCHILD TRAIL

16 AVENUE

16 AVENUE

64 AV

CEN

TRE

STR

EET

14 S

TREE

T

JOHN LAURIE BLVD.

17 AVENUE

ROC

KY

RID

GE

ROA

D

12 C

OU

LEE

MIL

E RO

AD

17 AVENUE

85 S

TREE

T

69 S

TREE

T

37 S

TREE

T

SAR

CEE

TR

AIL

OLD BANFF COACH ROAD

S T

ONE

Y TR

AIL

NO

SE H

ILL

DR

IVE

SHAG

ANN

API

TRA

IL

ROC

KY RIDGE

BLVD

COUNTRY HILLS BLVD.

AIL

SARCEE TR

AIL

BEDDINGTON

HARV

EST

HIL

LSSYM

ONS VALLEY ROAD

SHAGANAPPI TRAIL

128 AVE.

144 AVE. NW

SARC

EE T

RAIL

O

NOSE HILL PARK

STONEY TRAILST

ONE

Y TR

AIL

BEAR

SPAW

RO

AD

WO

ODL

AND

ROAD

HWY 1A

northwest

Showhomes: 1228 Sherwood Blvd.

Tuscany Hillside Estates

Developer: Carma

7

Builders: Landmark Homes | Albi Homes

CityLife

Developer: Birchwood Properties

Milano9 11

Builders: Birchwood PropertiesBuilders: Trico Homes

Sherwood

Developer: Genesis Development Corp.

5

Builders: Majestic Homes

Showhomes: Sherwood Crescent NW

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

Beacon Heights

Developer: Intergulf Cidex

6

Builders: Trico Homes/Intergulf Cidex

Kincora

Developer: Genesis Land Development Corp. | Apex Developments

Hanson Ranch

Developer: Cedarglen Homes | Cardel Homes

8 10

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

Builders: Genstar

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

1

4

2

6

5

3

8


910

11

12

13

18

14

1517

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

H O M E S B Y AV I | M O R R I S O N H O M E S | S H A N E H O M E S | S T E R L I N G H O M E S | T R I C O H O M E S

townhomec o l l e c t i o n from the $350s

laned homec o l l e c t i o nfrom the $380s

front c o l l e c t i o nfrom the $480s

estate stylec o l l e c t i o nfrom the $600s

Set amid the rolling hills of Calgary’s northwest, Nolan Hill recalls British Isles character of days gone by – right down to the castle-ruin entry features. Yet with abundant park space and nearby shopping, schools and recreation, Nolan Hill offers a modern, family-friendly lifestyle that combines the best of both worlds – old and new. Take Sarcee Trail 1 km north from Stoney Trail and follow the signs. NOLANHILLUNITED.COM

old world traditions.

modern living.


» by CODY BATTERSHILL

//CALGARYISM

CODY BATTERSHILL is the founder of

Calgaryism and a top producing realtor at

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

real estate goals and loves to show off the best

Calgary has to offer! He can be reached at 403-370-4180,

@Calgaryism on Twitter and calgaryism.ca

Why should you consider buying a new home?

Have you ever imagined building a home from scratch? If you’re a homeowner, it’s safe to say that you’ve probably thought about creating an entirely customized home for you and your family at one point or another, especially if you’ve watched inspiring shows such as Bravo TV’s Million Dollar Listing or MTV’s Celebrity Cribs.

Maybe you’re already living in a home that you custom built, plan on building one from the ground-up in the near future or have bought resale properties you’re entire life, and are looking for a fresh start.

Well, if you’ve bought a new home before, you probably already know about the perks of doing so in comparison to buying a resale property. However, not all of us are experienced buyers.

As a matter of fact, some of you may be a � rst-time homebuyer, or have made one or two moves before but never into an entirely new property. � is is why you should consider buying a new home in Calgary the next time you make a move.

NEW DESIGN & WARR ANTYLike most “new” things, a new home has an aura of newness that isn’t only embedded in the construction date, but also in the design features that have been taken from the latest and greatest from Calgary’s home builders.

Years of experience in the industry has led most of our city's premier

builders to creating new and innovative � oorplans, as well as interior/exterior designs that � t in perfectly with our modern lifestyles.

Another desirable thing about buying a new home is the Alberta Home Owners Warranty Act, as well as the mandatory warranties that come with all household appliances. Now you can rest assured if something in your home is faulty or doesn’t work properly one, two or possibly several months after move-in.

CUSTOMIZATIONWhether you’re building a luxury home in Springbank or have found a pre-designed � oorplan in Evanston, chances are that you’ll have an extensive list of customizable options to choose from with your builder of choice.

Buying a new home in Calgary, in most instances, will o� er you exactly that – customizable options such as interior colour palette, exterior colour, � oors and kitchen countertops, blinds and lighting � xtures, while more high-end purchases will have a much larger list of design choices for you to make.

Luxury buyers who are building new may even get to choose fancy appliances, such as a touchscreen eight-burner gas-stove, and have the builder incorporate its exact dimensions into the design of the kitchen – one example of just how custom new homes can be.

A FRESH STARTIf you were to buy a resale property, truth is you don’t know what exactly could be wrong with its structure or appliances even after a thorough home inspection.

Buying a new home gives you peace of mind with the warranty included, and also gives you a fresh start with � oors, walls and appliances that haven’t been worn or used in any way.

Oh, and let’s not forget the fresh new house smell that’s mesmerizing in itself. Okay, okay, probably not the best reason to buy new – but hey, it’s worth mentioning!

Don’t get me wrong, there are tons of fantastic resale properties around Calgary, but maybe a new home is just the thing that you need.

H O M E S B Y AV I | M O R R I S O N H O M E S | S H A N E H O M E S | S T E R L I N G H O M E S | T R I C O H O M E S

townhomec o l l e c t i o n from the $350s

laned homec o l l e c t i o nfrom the $380s

front c o l l e c t i o nfrom the $480s

estate stylec o l l e c t i o nfrom the $600s

Set amid the rolling hills of Calgary’s northwest, Nolan Hill recalls British Isles character of days gone by – right down to the castle-ruin entry features. Yet with abundant park space and nearby shopping, schools and recreation, Nolan Hill offers a modern, family-friendly lifestyle that combines the best of both worlds – old and new. Take Sarcee Trail 1 km north from Stoney Trail and follow the signs. NOLANHILLUNITED.COM

old world traditions.

modern living.

» by CODY BATTERSHILL

//CALGARYISM

CODY BATTERSHILL is the founder of

Calgaryism and a top producing realtor at

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

real estate goals and loves to show off the best

Calgary has to offer! He can be reached at 403-370-4180,

@Calgaryism on Twitter and calgaryism.ca

Why should you consider buying a new home?

Have you ever imagined building a home from scratch? If you’re a homeowner, it’s safe to say that you’ve probably thought about creating an entirely customized home for you and your family at one point or another, especially if you’ve watched inspiring shows such as Bravo TV’s Million Dollar Listing or MTV’s Celebrity Cribs.

Maybe you’re already living in a home that you custom built, plan on building one from the ground-up in the near future or have bought resale properties you’re entire life, and are looking for a fresh start.

Well, if you’ve bought a new home before, you probably already know about the perks of doing so in comparison to buying a resale property. However, not all of us are experienced buyers.

As a matter of fact, some of you may be a � rst-time homebuyer, or have made one or two moves before but never into an entirely new property. � is is why you should consider buying a new home in Calgary the next time you make a move.

NEW DESIGN & WARR ANTYLike most “new” things, a new home has an aura of newness that isn’t only embedded in the construction date, but also in the design features that have been taken from the latest and greatest from Calgary’s home builders.

Years of experience in the industry has led most of our city's premier

builders to creating new and innovative � oorplans, as well as interior/exterior designs that � t in perfectly with our modern lifestyles.

Another desirable thing about buying a new home is the Alberta Home Owners Warranty Act, as well as the mandatory warranties that come with all household appliances. Now you can rest assured if something in your home is faulty or doesn’t work properly one, two or possibly several months after move-in.

CUSTOMIZATIONWhether you’re building a luxury home in Springbank or have found a pre-designed � oorplan in Evanston, chances are that you’ll have an extensive list of customizable options to choose from with your builder of choice.

Buying a new home in Calgary, in most instances, will o� er you exactly that – customizable options such as interior colour palette, exterior colour, � oors and kitchen countertops, blinds and lighting � xtures, while more high-end purchases will have a much larger list of design choices for you to make.

Luxury buyers who are building new may even get to choose fancy appliances, such as a touchscreen eight-burner gas-stove, and have the builder incorporate its exact dimensions into the design of the kitchen – one example of just how custom new homes can be.

A FRESH STARTIf you were to buy a resale property, truth is you don’t know what exactly could be wrong with its structure or appliances even after a thorough home inspection.

Buying a new home gives you peace of mind with the warranty included, and also gives you a fresh start with � oors, walls and appliances that haven’t been worn or used in any way.

Oh, and let’s not forget the fresh new house smell that’s mesmerizing in itself. Okay, okay, probably not the best reason to buy new – but hey, it’s worth mentioning!

Don’t get me wrong, there are tons of fantastic resale properties around Calgary, but maybe a new home is just the thing that you need.


ASK AN EXPERT: by HEATHER RYAN

Q & A

NEW IDEAS IN NEW HOME DESIGN

ASK AN EXPERT by HEATHER RYAN

Q: What’s new in new home design?A: A relatively new and interesting design being offered by Shane Homes is the three-storey layout, which is available in three Creations by Shane Homes models, says Lyle Faas, manager of drafting and design for Shane Homes.

“The advantage of the three-storey design is you get more square footage and it’s more cost effective,” Faas says. “We have one model where the third level extends all the way from front to back of the house. In all cases having the third level provides extra living space and another bedroom and bathroom. You can also use the space for a studio/office or have it completely open for a large family or bonus room.”

Shane Homes started offering four-bedroom designs a few years ago, which have proven popular with buyers who have large or extended families, but customers are now also able to get a five-bedroom design. “The standard plans are typically three bedrooms, but we have flexibility in our designs to accommodate our clients who need four or five bedrooms,” Faas says.

The builder also offers a variety of floor plan options with every model so buyers can get the best design that suits their needs. Among the optional designs available, the upgraded

kitchen and deluxe ensuite are the most popular, Faas says. “Many people choose the upgraded kitchens because they

offer more space, and deluxe features such as 42-inch cabinets, crown moulding and standalone chimney hood fans,” he says.

“People also want to make their islands as large as possible, which is available with the upgraded kitchen.”

The deluxe ensuite design provides the luxury homeowners seek such as dual sinks, soaker tubs, oversized walk-in showers, make-up counters and even a coffee/juice station.

One of the most popular new designs is with the fireplace, Faas says. “The Cosmo fireplaces are rectangular and look like they’re floating in the wall as opposed to traditional fireplaces they offer a sleek, modern design and they’ve become very popular with buyers. Electric fireplaces are popular now as well in place of gas. They also hang flat against the wall and offer a modern look.”

Q&A//ASK AN EXPERT

//IN THE NEWS

2014 National SAM AwardsThe Canadian Home Builders’ Association (CHBA) announced the finalists for the 2014 CHBA National SAM Awards today, with the Homes by Avi Group of Companies being named in several categories.

“We’re thrilled to be recognized by our peers across the country,” says Alice Mateyko, president of Homes by Avi Alberta’s single-family division. “Being judged as one of the top contenders in Canada’s home building industry speaks to the talent and dedication of our entire team.”

The National SAM Awards celebrate excellence in new home design, renovation, community development and marketing across Canada. Homes by Avi’s single-family division is a finalist in the categories of Best-Single Attached Home for the JV3 in Richmond Park and Best Print Ad for Maple Crest, which ran in the Edmonton market.

Avi Urban, Homes by Avi’s multi-family division, is vying for top honours in Community Development for The Block.

“We are thrilled by our nomination for national finalist for Community

Development,” says Avi Urban president Charron Ungar. “The Block is an extremely unique building and one that we hope shall be considered an innovative example of wood frame apartment construction for some time. It is an honor to be recognized by our peers in the home building industry, and we congratulate all other nominees on their achievement.”

The CHBA National SAM Awards will be handed out at the Association’s 72st National Conference being held in March 2015 in Halifax.

HOMES BY AVI GROUP OF COMPANIES A FINALIST FOR

19

ASK AN EXPERT: by HEATHER RYAN

Q & A

NEW IDEAS IN NEW HOME DESIGN

ASK AN EXPERT by HEATHER RYAN

Q: What’s new in new home design?A: A relatively new and interesting design being offered by Shane Homes is the three-storey layout, which is available in three Creations by Shane Homes models, says Lyle Faas, manager of drafting and design for Shane Homes.

“The advantage of the three-storey design is you get more square footage and it’s more cost effective,” Faas says. “We have one model where the third level extends all the way from front to back of the house. In all cases having the third level provides extra living space and another bedroom and bathroom. You can also use the space for a studio/office or have it completely open for a large family or bonus room.”

Shane Homes started offering four-bedroom designs a few years ago, which have proven popular with buyers who have large or extended families, but customers are now also able to get a five-bedroom design. “The standard plans are typically three bedrooms, but we have flexibility in our designs to accommodate our clients who need four or five bedrooms,” Faas says.

The builder also offers a variety of floor plan options with every model so buyers can get the best design that suits their needs. Among the optional designs available, the upgraded

kitchen and deluxe ensuite are the most popular, Faas says. “Many people choose the upgraded kitchens because they

offer more space, and deluxe features such as 42-inch cabinets, crown moulding and standalone chimney hood fans,” he says.

“People also want to make their islands as large as possible, which is available with the upgraded kitchen.”

The deluxe ensuite design provides the luxury homeowners seek such as dual sinks, soaker tubs, oversized walk-in showers, make-up counters and even a coffee/juice station.

One of the most popular new designs is with the fireplace, Faas says. “The Cosmo fireplaces are rectangular and look like they’re floating in the wall as opposed to traditional fireplaces they offer a sleek, modern design and they’ve become very popular with buyers. Electric fireplaces are popular now as well in place of gas. They also hang flat against the wall and offer a modern look.”

Q&A//ASK AN EXPERT

//IN THE NEWS

2014 National SAM AwardsThe Canadian Home Builders’ Association (CHBA) announced the finalists for the 2014 CHBA National SAM Awards today, with the Homes by Avi Group of Companies being named in several categories.

“We’re thrilled to be recognized by our peers across the country,” says Alice Mateyko, president of Homes by Avi Alberta’s single-family division. “Being judged as one of the top contenders in Canada’s home building industry speaks to the talent and dedication of our entire team.”

The National SAM Awards celebrate excellence in new home design, renovation, community development and marketing across Canada. Homes by Avi’s single-family division is a finalist in the categories of Best-Single Attached Home for the JV3 in Richmond Park and Best Print Ad for Maple Crest, which ran in the Edmonton market.

Avi Urban, Homes by Avi’s multi-family division, is vying for top honours in Community Development for The Block.

“We are thrilled by our nomination for national finalist for Community

Development,” says Avi Urban president Charron Ungar. “The Block is an extremely unique building and one that we hope shall be considered an innovative example of wood frame apartment construction for some time. It is an honor to be recognized by our peers in the home building industry, and we congratulate all other nominees on their achievement.”

The CHBA National SAM Awards will be handed out at the Association’s 72st National Conference being held in March 2015 in Halifax.

HOMES BY AVI GROUP OF COMPANIES A FINALIST FOR

PRODUCED BY

Don’t miss the Calgary Home + Garden Show for realadvice and inspiration from over 650 industry experts! Find new and innovative products for your home, gather new ideas and shop great deals for all your renovation, decor and gardening projects. Satisfaction guaranteed — or the price of admission is on us.

SAVE $4BUY TICKETS ONLINEPROMO CODE: REALADVICE*ON REGULAR ADULT ADMISSION

20

PRODUCED BY

Don’t miss the Calgary Home + Garden Show for realadvice and inspiration from over 650 industry experts! Find new and innovative products for your home, gather new ideas and shop great deals for all your renovation, decor and gardening projects. Satisfaction guaranteed — or the price of admission is on us.

SAVE $4BUY TICKETS ONLINEPROMO CODE: REALADVICE*ON REGULAR ADULT ADMISSION


//SHOWHOME REVIEW

» by HEATHER RYAN

SHANE’S TOFINO II model proves to be popular

Presenting a bright and open plan with great standard features, options and upgrades has made Shane Homes’ Tofino II a hit with buyers.

“The Tofino II has been and is one of our top sellers in Hillcrest and other communities we build in Calgary and Airdrie,” says Jeff Brodowski, co-area manager with Karen Kotchar in Hillcrest in Airdrie.

“One of the things that appeals to our clients with the Tofino II is that we offer several different main floor and second floor layout options to fit the buyers’ needs,” he says. “As we are one of the few builders that offer customized homes, we find that with this plan we need to do less customizing than with some of our other plans due to the various optional layout choices we already have available.”

“Another great feature of this home is that it only requires a 32-ft.-wide lot, which is our smallest sized lot in Hillcrest and in many other communities where Shane Homes builds,” he adds. “The floorplan starts off at 2,150 sq. ft. and goes up from there, depending on the clients’ needs and lot limitations. A smaller lot means a lower starting price point for this model.”

Kotchar notes the Tofino II draws a lot of positive comments from people. “They really love the open main floor – it’s great for entertaining – and the spacious front entry with open railing that goes all the way up to the second floor and down the

stairs, which gives it a grand feel.”The Tofino II presents outstanding

standard features such a granite countertops, laminate and tile floors and stainless steel appliances, but it also has several upgrades that customers’ desire.

One of the most popular upgrades is the super kitchen. It serves up several built-ins such as a microwave, wall oven and hutch, and has an oversized island with breakfast bar seating, a drop down stainless steel hood fan over the cook top, tall cabinets to the ceiling and an extended nook, Brodowski says.

Another popular option in the Tofino II is the larger ensuite, which comes with a bigger corner soaker tub, oversized shower, make-up table and

One of the things that appeals to our clients with the Tofino II is that we offer several different main floor and second floor layout options to fit the buyers’ needs

SHANE HOMES | Tofino II

dual vanities. “As well, this option makes the walk-in closet much bigger,” he says.

A stunning upgrade in the Hillcrest showhome is the fireplace, which showcases a newer and more modern Cosmo design and is highlighted with wave tile to the ceiling. “People love the Cosmo fireplace – the style is very contemporary with clean lines – and the tile is very artistic,” Kotchar says.

The main floor in the Tofino II Hillcrest showhome also features a walk-through pantry, spacious living room and nook, an office that comes with two built-in work stations and a mud room off the garage that has a built-in bench and walk-in closet.

Going upstairs, the Tofino II features an eye-catching built-in entertainment centre in the middle loft, which is standard. “People like the second floor bonus room and loft with vaulted ceiling and the fact that it separates the owners’ suite from the kids’ bedrooms,” Kotchar adds.

The second level also features a spacious owners’ suite with options available for the ensuite design, a good-sized laundry room, two generous bedrooms each with walk-in closets, a full bathroom and a handy built-in computer station adjacent to the secondary bedrooms.

Nine-ft. basement ceilings in conjunction with basement development are also popular choices with many of the homeowners in Hillcrest.

This model is so popular that Shane Homes also offers Tofino II showhomes in Nolan Hill in northwest Calgary and Cranston in southeast Calgary. For more information on Tofino II showhomes, visit shanehomes.com

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

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

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

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

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

Open your door to Drake Landing

NEW PHASE NOW

AVAILABLE

24

›› OKOTOKSCOMMUNITIES

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

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

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

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

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

2A

2A 2A7

2A

OKOTOKS

MILLIGAN DR.

SANDSTONE DR.

MOUNTAINVIEWGATE

WE

ST

LAN

D S

T.W

ES

TLA

ND

ST.

32 ST. E

.32 S

T. E.

BANNISTER GATECRYSTAL SHORES RD.

370 AVE. E.

549

549

WESTRIDGE DR.

SO

UT

HR

IDG

E D

R.

CIMARRO

N BLVD.

CIM

ARRON

TR

AIL

338 AVE. E.

NORT

HRID

GE

DR

.

CRYSTALRIDGEGOLFCLUB

OKOTOKSAIR

RANCH

CIM

ARR

ON

BLV

D.

1

3

2

8

4


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

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

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

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

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

Open your door to Drake Landing

NEW PHASE NOW

AVAILABLE


›› OKOTOKSCOMMUNITIES

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

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

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

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

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

2A

2A 2A7

2A

OKOTOKS

MILLIGAN DR.

SANDSTONE DR.

MOUNTAINVIEWGATE

WE

ST

LAN

D S

T.W

ES

TLA

ND

ST.

32 ST. E

.32 S

T. E.

BANNISTER GATECRYSTAL SHORES RD.

370 AVE. E.

549

549

WESTRIDGE DR.

SO

UT

HR

IDG

E D

R.

CIMARRO

N BLVD.

CIM

ARRON

TR

AIL

338 AVE. E.

NORT

HRID

GE

DR

.

CRYSTALRIDGEGOLFCLUB

OKOTOKSAIR

RANCH

CIM

ARR

ON

BLV

D.

1

3

2

8

4


›› AIRDRIECOMMUNITIES01 BAYSIDE ESTATES

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

02 WINDSONG DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

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

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

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

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

07 WILLIAMSTOWN DEVELOPER: Vesta Properties BUILDERS: Vesta Properties

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

09 SOUTHWINDS Developer: Mattamy Homes Builders: Mattamy Homes

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

VETERANS BLVD

1ST AVE

YANKEE VALLEY BLVD

NOSE CREEK

EASTLAKE

VETERANS BLVD

YANKEE VALLEY BLVD

2

1

3

10

4

5


6

7

89

28

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

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

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

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

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

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

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

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

›› SOUTHEASTCOMMUNITIES

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

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


MCLVOR

BLV

D.

16 AVENUE 16 AVENUE

32 AVENUECENT

RE S

TR

14 S

TREE

T

MCKNIGHT BLVD.

86S

ERTET

17 AVENUE17 AVENUE

GLENMORE TRAIL

52 S

TREE

T52

STR

EET

BARL

OW TR

AIL

Mac

LEOA

D TR

AIL

MacLEOAD TRAIL

DERSON ROAD

SHER

IFF

KING

STR

EET

SPRU

CE M

EADO

WS

HWAY

24 S

TREE

T

2 AVENUE

MARQUIS OF LORNE TRAIL

MEMORIAL DRIVE

BLAC

KFOO

T TR A IL

BOW BOT

TOM

TR

JAM

ES M

cKEV

ITT

DEERFOOT TRAIL

HLAND DRIVE

ELBO

W D

RIVE

SHAWNESSYBLVD.

130 AVENUE

McKEN

ZIE LAKE

MORE VOIR

EEK PARK

FISH CREEK PARK

CRANSTONAVE. SE SETON BLVD SE

CopperfieldDeveloper: Hopewell Residential Communities

Mahogany

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

Auburn Bay

Developer: Carma

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

Showhomes: Corner of Cranston Ave.& Cranarch Rd.

Showhomes: Walden Rise SE

Showhomes: Mahogany Heath SE.

Showhomes: New Brighton Dr. SE.

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

1

McKenzie TowneDeveloper: Carma

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

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

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

New Brighton

Developer: Carma

7

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

9

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

Cranston Estates

Developer: Carma

Builders: Albi Homes | Landmark Homes | Baywest Homes

WALDEN

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

southeast

2

5

6

3

4

4

10

8

5

2

76

13

9


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

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

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

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

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

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

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

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

›› SOUTHEASTCOMMUNITIES

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

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


MCLVOR

BLV

D.

16 AVENUE 16 AVENUE

32 AVENUECENT

RE S

TR

14 S

TREE

T

MCKNIGHT BLVD.

86S

ERTET

17 AVENUE17 AVENUE

GLENMORE TRAIL

52 S

TREE

T52

STR

EET

BARL

OW TR

AIL

Mac

LEOA

D TR

AIL

MacLEOAD TRAIL

DERSON ROAD

SHER

IFF

KING

STR

EET

SPRU

CE M

EADO

WS

HWAY

24 S

TREE

T

2 AVENUE

MARQUIS OF LORNE TRAIL

MEMORIAL DRIVE

BLAC

KFOO

T TR A IL

BOW BOT

TOM

TR

JAM

ES M

cKEV

ITT

DEERFOOT TRAIL

HLAND DRIVE

ELBO

W D

RIVE

SHAWNESSYBLVD.

130 AVENUE

McKEN

ZIE LAKE

MORE VOIR

EEK PARK

FISH CREEK PARK

CRANSTONAVE. SE SETON BLVD SE

CopperfieldDeveloper: Hopewell Residential Communities

Mahogany

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

Auburn Bay

Developer: Carma

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

Showhomes: Corner of Cranston Ave.& Cranarch Rd.

Showhomes: Walden Rise SE

Showhomes: Mahogany Heath SE.

Showhomes: New Brighton Dr. SE.

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

1

McKenzie TowneDeveloper: Carma

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

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

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

New Brighton

Developer: Carma

7

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

9

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

Cranston Estates

Developer: Carma

Builders: Albi Homes | Landmark Homes | Baywest Homes

WALDEN

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

southeast

2

5

6

3

4

4

10

8

5

2

76

13

9

Built for real life.CARDELHOMES.COM

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

Sat, Sun + Holidays: Noon-5 pm

Closed Fridays

Prices subject to change without notice. E&OE.

■ Great selection of homesites■ Eclectic architectural styles■ Unique urban-modern elevations■ Extensive community shops and services■ Close to LRT and Fish Creek Park

Visit our sales centre.24 Walden Way SE403.984.9107

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//IN THE NEWS

The Calgary housing market has had it good in recent years. Strong economic, employment and wage growth and increasing net migration all led to a booming real estate sector – including what were record housing starts last year.

So spectacular was this performance, however, that it would be impossible to maintain. It should come as a no surprise, then, that in 2015, some of the “boom” may come off the rose somewhat in this part of Wild Rose Country.

Total housing starts in the Calgary Census Metropolitan Area (CMA) are on pace to reach a record high of 17,200 units in 2014, according the Canada Mortgage and Housing Corp. (CMHC). This represents a huge 37-per-cent increase from 12,584 in 2013. This year, however, total housing starts are forecast to decrease to 14,400 units and 12,800 in 2016.

“Housing demand in the Calgary CMA continues to be supported by positive employment growth and heightened net migration,” Felicia Mutheardy, CMHC’s senior market analyst for Calgary told New Home Guide.

“However, while remaining positive, the rate of employment growth is expected to move lower in both 2015 and 2016. Following a record year in 2013, net migration is expected to decline in 2014 through 2016 while mortgage rates are expected to move higher in the next two years. These

factors will contribute to a moderation in the demand for housing, resulting in a reduced rate of growth for sales in the existing home market and lower housing starts for both single-detached and multi-family units.”

In 2015, existing home sales are forecast to increase 2.1 per cent to 34,200 units, and 1.8 per cent to 34,800 in 2016, she adds.

Over the next two years in the Calgary housing market, both single-detached and multi-family starts are expected to decline. There will be 6,400 single-detached housing starts in 2015 and 6,300 in 2016, Mutheardy says.

For multi-family starts, there will be 8,000 units in 2015 and 6,500 in 2016. A slower pace of construction for condominiums will contribute to a pronounced reduction in multi-family starts in the next two years.

For the new home market in Alberta overall, single-detached starts are projected to rise by nearly four per cent to 19,300 in 2014 and then remain relatively stable at 19,200 units in 2015 and 19,000 in 2016.

“Strong economic and employment growth are expected to help Alberta’s housing market conditions remain robust by historical standards over the next two years,” says Lai Sing Louie, CMHC’s regional economist for the Prairie and Territories Region.

RECORD YEARS GIVE WAY TO STILL SOLID GROWTH

Calgary housing outlook:

» by WAYNE KARL

Built for real life.CARDELHOMES.COM

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

Sat, Sun + Holidays: Noon-5 pm

Closed Fridays

Prices subject to change without notice. E&OE.

■ Great selection of homesites■ Eclectic architectural styles■ Unique urban-modern elevations■ Extensive community shops and services■ Close to LRT and Fish Creek Park

Visit our sales centre.24 Walden Way SE403.984.9107

HYDE LANED HOME TARMON LANED HOME

NEW LANED MODELSJUST RELEASED

IN PHASE 25

TARMON LANED HOMEHYDE LANED HOME

INCL. FRONT YARD LANDSCAPING +PREMIER SPECS

$400sFROM THE LOW

31

//IN THE NEWS

The Calgary housing market has had it good in recent years. Strong economic, employment and wage growth and increasing net migration all led to a booming real estate sector – including what were record housing starts last year.

So spectacular was this performance, however, that it would be impossible to maintain. It should come as a no surprise, then, that in 2015, some of the “boom” may come off the rose somewhat in this part of Wild Rose Country.

Total housing starts in the Calgary Census Metropolitan Area (CMA) are on pace to reach a record high of 17,200 units in 2014, according the Canada Mortgage and Housing Corp. (CMHC). This represents a huge 37-per-cent increase from 12,584 in 2013. This year, however, total housing starts are forecast to decrease to 14,400 units and 12,800 in 2016.

“Housing demand in the Calgary CMA continues to be supported by positive employment growth and heightened net migration,” Felicia Mutheardy, CMHC’s senior market analyst for Calgary told New Home Guide.

“However, while remaining positive, the rate of employment growth is expected to move lower in both 2015 and 2016. Following a record year in 2013, net migration is expected to decline in 2014 through 2016 while mortgage rates are expected to move higher in the next two years. These

factors will contribute to a moderation in the demand for housing, resulting in a reduced rate of growth for sales in the existing home market and lower housing starts for both single-detached and multi-family units.”

In 2015, existing home sales are forecast to increase 2.1 per cent to 34,200 units, and 1.8 per cent to 34,800 in 2016, she adds.

Over the next two years in the Calgary housing market, both single-detached and multi-family starts are expected to decline. There will be 6,400 single-detached housing starts in 2015 and 6,300 in 2016, Mutheardy says.

For multi-family starts, there will be 8,000 units in 2015 and 6,500 in 2016. A slower pace of construction for condominiums will contribute to a pronounced reduction in multi-family starts in the next two years.

For the new home market in Alberta overall, single-detached starts are projected to rise by nearly four per cent to 19,300 in 2014 and then remain relatively stable at 19,200 units in 2015 and 19,000 in 2016.

“Strong economic and employment growth are expected to help Alberta’s housing market conditions remain robust by historical standards over the next two years,” says Lai Sing Louie, CMHC’s regional economist for the Prairie and Territories Region.

RECORD YEARS GIVE WAY TO STILL SOLID GROWTH

Calgary housing outlook:

» by WAYNE KARL


//IN THE NEWS

brings its popular semis back to Walden with four new showhomes

HOMES BY AVI

H omes by Avi has reintroduced its popular semi-detached homes to the southeast community of Walden with the launch of four new showhomes. This is the second time that the home builder has offered

this versatile product in Walden, with the first lots selling out in record time.“Our Walden semi-detached homes are very well received,” says Karl Bursnell,

sales manager for Homes by Avi. “Customers like that they can enjoy the benefits of a single-family home, like a private yard and the ability to build a garage, but at a more affordable price point. And there are no condo fees to worry about like with a multi-family unit.”

HOMES BY AVI| Walden

Bursnell also attributes the popularity of Homes by Avi’s semis to the enticing list of inclusions, such as nine-ft. main floor ceilings, hardwood, quartz in the kitchen and front landscaping. “They offer a complete package, so they really appeal to young professionals who want to enter the

market with a comfortable, inviting home, as well as those who want to downsize, but still desire some extra space for entertaining friends and family.”

Interested parties can tour the new showhomes, now open at 603 Walden Dr. SE. More information on these and other Homes by Avi product offerings is available at homesbyavi.com

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

DOUBLE GARAGE HOMES STARTING AT

CHAPARRAL VALLEY KING’S HEIGHTS LEGACY RIVERSONG SUNSET RIDGE

SALES CENTRE

585 & 589 RIVER HEIGHTS CRES.SALES MANAGER - LAWRENCE WONG D. (403) 981-0219

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

GET MORE AT JAYMAN.COM/RIVERSONG

VISIT US TODAY

$455,589*

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

YOUR HOME

nestled next to the bow

IBJ-NHBG-FP-RS_7.5x10.5-1.8.15.indd 1 1/8/2015 5:30:52 PM

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

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

Homes

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

Homes, Excel Homes, Homes by Avi

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

Jayman MasterBUILT, Trico Homes

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

Brooklyn, Astoria Custom Homes

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

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

Landmark, ReidBuilt Homes www.firesidecochrane.com

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

›› COCHRANECOMMUNITIES

COCHRANE

RA

NG

E R

D 40

RANGE RD 43

RA

NG

E R

D 4

2

RA

NG

E R

D 4

2

RANG

E RD 42

SUNSET BLVD.

CHINIKI DR.

BENCHLANDS DR.

RAILWAY ST. W.

Glenpatrick D

r.

RIVERVIEW DR.

TOW

ERS

TRA

IL

GEORGE FOX TRAIL

GEORGE FOX TRAIL

BOW

MEADO

WS DR.

BOW RIDGE CRESCENT

W. TERRACE DR.

W. TERRACE RD.QUIGLEY DR.

QUIGLEY DR.

W. EDGE.RD

W. MCMANUS RD.W. MCDOUGAL RD.

BOW

RIDG

E RD.

BO

W R

IDG

E D

R.

RIV

ER

VIE

W C

IRC

LE

RIV

ER

HE

IGH

TS

RIS

E

GLE

NPA

TR

ICK

RD

.

GLE

NH

ILL

DR

.

1 St. E.

1 ST. W.

1 ST.

BA

IRD

AV

E.

PO

PE

AV

E.

RO

SS

AV

E.

CE

NT

RE

AV

E.

RETREAT RD.

4 AV

E N

RETREAT RD.

RETREAT RD.

BIG HILL RD.

EAG

LEVIEW

HEG

HTS

EAGLEVIEW

WAY

GLEN

EAGLES D

R.

GLENEAGLES DR.

TWP RD 261

22

22

221A

1A

1A

1A

1A

1A

RIVER HEIGHTS DR.

HO

RS

E C

RE

EK

RD

.

1

2

7

3

4

6


8

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

DOUBLE GARAGE HOMES STARTING AT

CHAPARRAL VALLEY KING’S HEIGHTS LEGACY RIVERSONG SUNSET RIDGE

SALES CENTRE

585 & 589 RIVER HEIGHTS CRES.SALES MANAGER - LAWRENCE WONG D. (403) 981-0219

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

GET MORE AT JAYMAN.COM/RIVERSONG

VISIT US TODAY

$455,589*

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

YOUR HOME

nestled next to the bow

IBJ-NHBG-FP-RS_7.5x10.5-1.8.15.indd 1 1/8/2015 5:30:52 PM


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

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

Homes

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

Homes, Excel Homes, Homes by Avi

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

Jayman MasterBUILT, Trico Homes

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

Brooklyn, Astoria Custom Homes

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

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

Landmark, ReidBuilt Homes www.firesidecochrane.com

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

›› COCHRANECOMMUNITIES

COCHRANE

RA

NG

E R

D 40

RANGE RD 43

RA

NG

E R

D 4

2

RA

NG

E R

D 4

2

RANG

E RD 42

SUNSET BLVD.

CHINIKI DR.

BENCHLANDS DR.

RAILWAY ST. W.

Glenpatrick D

r.

RIVERVIEW DR.

TOW

ERS

TRA

IL

GEORGE FOX TRAIL

GEORGE FOX TRAIL

BOW

MEADO

WS DR.

BOW RIDGE CRESCENT

W. TERRACE DR.

W. TERRACE RD.QUIGLEY DR.

QUIGLEY DR.

W. EDGE.RD

W. MCMANUS RD.W. MCDOUGAL RD.

BOW

RIDG

E RD.

BO

W R

IDG

E D

R.

RIV

ER

VIE

W C

IRC

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AV

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E.

RO

SS

AV

E.

CE

NT

RE

AV

E.

RETREAT RD.

4 AV

E N

RETREAT RD.

RETREAT RD.

BIG HILL RD.

EAG

LEVIEW

HEG

HTS

EAGLEVIEW

WAY

GLEN

EAGLES D

R.

GLENEAGLES DR.

TWP RD 261

22

22

221A

1A

1A

1A

1A

1A

RIVER HEIGHTS DR.

HO

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RE

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RD

.

1

2

7

3

4

6


8

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LUXURYThe only magazine of its

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showcases high-end homes,

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is your exclusive opportunity to

establish your property as the

pinnacle of affluent living.

Brought to you by the publishers of

IT’S ALL ABOUT

LIFESTYLE

GETTING TO KNOW

BLAIR FOISY

MAKING A LUXURIOUS

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HIGH RIVERHIGHWOOD LAKE DEVELOPER: WestView Builders BUILDER: WestView Builders

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

RIVERWOOD ESTATES BUILDERS: Compass Rose Homes, Sheep River Homes

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

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

CALGARY

1

22

1A

22X

2

22X

797

1

543 2A

2TURNER VALLEY

PRIDDIS

STRATHMORE

BLACK DIAMOND

HERITAGE POINTE

OKOTOKS

HIGH RIVER

LANGDON

CHESTERMERE

COCHRANE

5 St

SE

1 St

SE

Cen

tre S

t

Cal

gary

212 Ave SE

High River

Show Home: 1610 Monteith Drive Se, High River Mon - Thurs: 2 pm - 8 pm, Weekends: Noon - 5 pm

See how much more lifestyle your money can buy in Montrose.

FRONT GARAGE $440Sfrom the

ESTATE HOMES $650Sfrom the

403.245.3515www.escapethecity.ca


//INSIGHT

» by BRAD JACKMAN

Landscape 360. Professional Landscape Construction

Have a plan. You can never call a company too early to plan for the following season’s project.

Are you ready to LANDSCAPE?

In the middle of winter as we anxiously wait for warm weather and outdoor living, landscaping may not be at the forefront of your mind. Landscape 360 would like to highlight a few ideas homeowners can contemplate before spring. Hiring a

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

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

Have a budget. It is important to understand that quality landscaping requires substantial investments of time and money. Thus having a budget and planning around that budget will be crucial. It is also not unusual for work to be split up over consecutive summers, easing some of the financial burden while creating your backyard paradise. Depending on what is required for labour, equipment and materials, it may be more or

403.452.0360 | landscape360.ca | like us on facebook

less of an investment one season to the next. With that said it is sometimes more cost effective to do the whole project at once. Booking a consultation with a reputable landscaper will allow you to see if your budget is in line with your vision.

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

Know your options. When deciding which landscape company to hire, it’s beneficial to do your research. Ask to see their portfolio, view their website, and look into some of the products yourself. Most importantly, ask lots of questions. Landscape construction can be done very different. Hire a company that uses quality equipment, utilizes the best products available and installs everything professionally. Ask to speak with former clients who have had similar projects to the one you’re considering. Your options include patios, lighting, decks, walkways, garden beds, trees, plants and fences to irrigation, drainage solutions, boulders, retaining walls, water features, decorative concrete, outdoor cooking and fire pits. Clearly, there are many choices and it pays to explore all your options carefully.

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


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

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

05 SPRING VALLEY DEVELOPER: Legend Developments

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

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

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

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

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

›› SOUTHWESTCOMMUNITIES

BOW TRAIL

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//IN THE NEWS

Calgary to still be among leaders in home price growth this year

Calgary will be among the leading markets in terms of home price growth this year, according to the latest Royal LePage House Price Survey and Market Survey Forecast.

Across the country, average home prices showed modest to healthy year-over-year gains in most markets in the fourth quarter of 2014. During the quarter, the average price of a home in Canada increased between 4.5 per cent and 6.7 per cent year-over-year. Nationally, the average price of detached bungalows rose 6.7 per cent $406,218, while standard two-storey homes increased 6.0 per cent to $443,379, and standard condominiums saw a 4.5 per cent increase to $257,624. Against the backdrop of a decidedly mixed macroeconomic environment at home and abroad, Royal LePage expects home prices to increase moderately in 2015, forecasting a 2.9 per cent national increase for the year ahead.

In Calgary, the housing market in the fourth quarter of 2014 continued to be among the strongest across the country. Demand was strong for homes across all housing types, and continued to outstrip supply. Average prices for detached bungalows jumped 9.1 per cent year-

over-year to $511,889 and standard two-storey homes increased 8.5 per cent to $500,320. Standard condominiums also experienced robust growth, rising 9.1 per cent to $311,644.

For 2015, Royal LePage forecasts average home price growth of 2.4 per cent to $472,000, up from $461,000 in 2014. This compares to a 5.4-per-cent increase from $437,036 for 2013.

“While some markets have continued to defy gravity, notably the economically robust, supply constrained cities of Vancouver, Calgary and Toronto, by and large, house prices across the country are now strolling versus bounding forward,” Phil Soper, president and chief executive officer of Royal LePage, told New Home Guide. “We believe this moderating trend will characterize the 2015 market, and that in normal course, even our hottest markets will see eroding affordability ease overheated demand, bringing balance and more rational price increases.”

The recent freefall in the value of oil is impacting the national and some provincial economies, he adds, and will act as a drag in some regions of the country.

“Specifically, the natural slowing of home price appreciation should be accelerated in Alberta, Saskatchewan, and Newfoundland, and delayed in Central Canada – particularly in Ontario.”

And what should homeowners and prospective buyers make of recent statements by Deutsche Bank, and even the Bank of Canada, that Canada’s house prices are seriously inflated?

“Will prices collapse, as a few foreign investment banks have prophesized? That seems highly unlikely in a future characterized by low interest rates and a healthy economy, which is what we see,” says Soper.

» by WAYNE KARL


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

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

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

05 CITYSCAPE DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

›› NORTHEASTCOMMUNITIES


16 AVENUE 16 AVENUE

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68 S

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

Search yourfavorite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

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

IN THE MARKET FOR A

NEW HOUSE OR A CONDO?

Powered by

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


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

WESTMERE DEVELOPER: Melcor BUILDERS: Lifestyle Homes, ReidBuilt Homes

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

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

›› CALGARYREGIONEAST

CALGARY

1

22

1A

22X

2

22X

797

1

543 2A

2TURNER VALLEY

PRIDDIS

STRATHMORE

BLACK DIAMOND

HERITAGE POINTE

OKOTOKS

HIGH RIVER

LANGDON

CHESTERMERE

COCHRANE

34


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

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

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

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

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

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

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

LYALTA03 THE LAKES OF MUIRFIELD

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

DONNA MOORE Executive Officer,

Calgary Region Home Builders’ Association

403.235.1911crhba.com

» by DONNA MOORE

Choosing the right lighting is important to the comfort and appeal of your new home.

When you purchase a new home, it often comes with a standard lighting package, and there are usually options for upgrades or sometimes the builder will give you a set allowance to spend so you can choose the lighting fixtures and features you want.

When it comes to making these lighting choices, homebuyers can get plenty of assistance from their builder, the salesperson or the interior decorator at the company’s decor centre, depending on the builder they’ve chosen. Or they may be referred to the company’s chosen supplier, who will typically have a showroom and lighting experts available to help with selections.

Before making your choices, it’s best to do a little homework, such as looking through magazines, browsing the Internet, visiting a few stores for general information and ideas and most importantly visiting a showhomes in the Calgary region that showcase a variety of lighting styles. You could also ask your builder or the lighting centre if they have any written information or product catalogues they can lend you.

It’s a good idea to make sure you understand exactly what your builder is offering in a standard lighting package, so that you know what is already included in the price of the home, and keep in mind that there could be an additional installation cost for some of your selections.

If you decide to upgrade the lighting beyond the builder’s standard specifications, you should set an overall budget. Tell your builder or expert how much you want to spend, and what areas in the home are most important to you, and they will be able to help you allocate your budget wisely. Also verify with the builder that your choices can be accommodated within the plans and construction schedule.

When making your lighting selection, it’s a good idea (if possible) to bring samples of the interior finishing, such as paint colour, carpeting, counters, cabinets and so on, because different colours and textures absorb or reflect light differently.

Also, consider going through the entire house plan room by room to determine the activities and tasks that will take place in each so that you can decide on the furniture and any special features you want highlighted, and the mood you want to create with your lighting.

One feature to think about is lighting controls. Dimmers, two-, three- or four-way switches, hand-held controls, motion sensors and timers all give you greater convenience, safety and/or security than plain switches. And with smart

Choosing the right lighting for your new home

//THE HOMEBUYING PROCESS

systems, you can control your lights with your cell phone or tablet. You can ask your builder or lighting expert for recommendations best suited to how you want the lights set up.

As well, give some thought to the extra little touches such as door-activated closet lighting, built-in night lights in hallways, LED lights on stairs, under-cabinet lighting in the kitchen and spotlights for bookcases and shelves.

And don’t forget the exterior. When looking at outdoor lighting, decide which areas you want lit for safety and convenience, and where lighting can enhance the appeal of your home by drawing attention to special features, such as stone detailing or windows.

With the wide range of solar operated lights and LED lights available, the lighting ideas for your gardens, pathways, patios, decks and front of the house are endless. You can let your imagination fly.

Today’s choices in lighting and control options, provide you with a great opportunity to make your new home just right for comfort, convenience and spectacular effect.

JASON ELDRIDGE P.F.P, B. Admin Mortgage Specialist, Axiom Mortgage Solutions (formerly Unisource Mortgage)

Cell 403.630.1718, Fax 866.708.5807 Email [email protected] Web/apply online jason.axiommortgage.ca

» by JASON ELDRIDGE

//MORTGAGE MOGUL

Why use a mortgage broker?

For years, people wishing to purchase or refinance a home have always gone to the same place… their bank. Is this the best option for everyone? Not necessarily, but it is the one option most people have been aware of, or felt obligated to use... perhaps until now.

In the past, mortgage brokers were often called upon in cases where the client(s) did not qualify under traditional criteria, or they needed money quickly, and hence had to borrow from a “loan shark.” While mortgage brokers still assist clients with bruised credit or other qualifying challenges, the vast majority of our clientele is made up of clients just like yourself, with good job stability and excellent credit.

So why exactly should you contact a mortgage broker? Firstly (and probably the biggest reason for most clients),

rate, rate, rate! When you go to your bank, more times than not, you will be put into the common situation of having to negotiate with your banker for a better rate. When you work with a broker, if you qualify for the best rates (based on your credit history), you automatically get the best rates. And the best part is, it doesn’t cost you a thing. There is no charge for this service and no negotiation is required. Just remember, even a 0.25 per cent lower rate can save you thousands of dollars over the course of your term in interest.

Secondly, you have more lenders and options to choose from. When you go to your bank, you only have access to their suite of mortgage products to choose from. Mortgage brokers have access to more than 30 lenders, including many of the chartered banks, so they have access to a vast array of mortgage options to suit your particular needs and goals. While there can be subtle differences, something such as better prepayment privileges may be a reason for choosing one institution over another.

Thirdly, mortgage brokers cater to your schedule, not the other way around. Don’t you enjoy the process of calling your bank, and then you’re told that they can’t see you for a week or so because they are already “booked up” with appointments? Mortgage brokers will meet with you where and when you prefer, or at the very least offer you the convenience of arranging your financing via phone, fax and/or email. Generally speaking, you can be pre-approved for mortgage financing the same day you apply.

Finally, mortgage specialists are able to offer their clients a more relaxed qualifying process. If you don’t happen to meet all of your banks’ criteria, they will often turn you away, whereas a broker will continue to source your application to as many lenders as required to find you the financing you require based on your personal situation.

If you are looking for a change, and would like to experience the convenience and value of working with a dedicated mortgage professional, please ensure that they have their proper accreditation. As a mortgage planner working with Axiom Mortgage Solutions, I am governed by the Alberta Mortgage Brokers Association (AMBA), and the Real Estate Council of Alberta(RECA). As always, I welcome any questions or comments you may have regarding the information contained in my articles. Until next month…

46

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

» Calculate your mortgage payments using the mortgage payment calculation chart

HOMEBUYERS’ HELP//

JASON ELDRIDGE P.F.P, B. Admin Mortgage Specialist, Axiom Mortgage Solutions (formerly Unisource Mortgage)

Cell 403.630.1718, Fax 866.708.5807 Email [email protected] Web/apply online jason.axiommortgage.ca

» by JASON ELDRIDGE

//MORTGAGE MOGUL

Why use a mortgage broker?

For years, people wishing to purchase or refinance a home have always gone to the same place… their bank. Is this the best option for everyone? Not necessarily, but it is the one option most people have been aware of, or felt obligated to use... perhaps until now.

In the past, mortgage brokers were often called upon in cases where the client(s) did not qualify under traditional criteria, or they needed money quickly, and hence had to borrow from a “loan shark.” While mortgage brokers still assist clients with bruised credit or other qualifying challenges, the vast majority of our clientele is made up of clients just like yourself, with good job stability and excellent credit.

So why exactly should you contact a mortgage broker? Firstly (and probably the biggest reason for most clients),

rate, rate, rate! When you go to your bank, more times than not, you will be put into the common situation of having to negotiate with your banker for a better rate. When you work with a broker, if you qualify for the best rates (based on your credit history), you automatically get the best rates. And the best part is, it doesn’t cost you a thing. There is no charge for this service and no negotiation is required. Just remember, even a 0.25 per cent lower rate can save you thousands of dollars over the course of your term in interest.

Secondly, you have more lenders and options to choose from. When you go to your bank, you only have access to their suite of mortgage products to choose from. Mortgage brokers have access to more than 30 lenders, including many of the chartered banks, so they have access to a vast array of mortgage options to suit your particular needs and goals. While there can be subtle differences, something such as better prepayment privileges may be a reason for choosing one institution over another.

Thirdly, mortgage brokers cater to your schedule, not the other way around. Don’t you enjoy the process of calling your bank, and then you’re told that they can’t see you for a week or so because they are already “booked up” with appointments? Mortgage brokers will meet with you where and when you prefer, or at the very least offer you the convenience of arranging your financing via phone, fax and/or email. Generally speaking, you can be pre-approved for mortgage financing the same day you apply.

Finally, mortgage specialists are able to offer their clients a more relaxed qualifying process. If you don’t happen to meet all of your banks’ criteria, they will often turn you away, whereas a broker will continue to source your application to as many lenders as required to find you the financing you require based on your personal situation.

If you are looking for a change, and would like to experience the convenience and value of working with a dedicated mortgage professional, please ensure that they have their proper accreditation. As a mortgage planner working with Axiom Mortgage Solutions, I am governed by the Alberta Mortgage Brokers Association (AMBA), and the Real Estate Council of Alberta(RECA). As always, I welcome any questions or comments you may have regarding the information contained in my articles. Until next month…


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

» Calculate your mortgage payments using the mortgage payment calculation chart

HOMEBUYERS’ HELP//


5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTEREST RATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAX INCOME

AMOUNT OF MORTGAGE

(PRICE – DOWN PAYMENT)

DIVIDE BY 3AFFORDABLE

MONTHLY PAYMENTS

AMORTIZATION AMOUNTCHART FIGURE

AMOUNT OF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATED MONTHLY

TAXES & HEAT

01 Calculate the combined monthly before-tax income

of you and your spouse.

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

can afford to make on your home.

03 Take the total price of the home and subtract the

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

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

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

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

Divide by 1,000.

06 Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

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

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

//HOMEBUYERS’ HELP

Calculate your mortgage payments

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

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

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

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

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

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

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

Prepayment options are available but they are subject to conditions.

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

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

PREPARED BY CANNEX ON JANUARY 6, 2015. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2015 CANNEX Financial Exchanges Limited. All rights reserved.

ATB Financial 2.700 4.000 2.940 2.890 2.990 3.040 3.240

Bank of Montreal / BMO 3.000 4.000 3.140 3.040 3.850 4.390 4.990

Bank of Nova Scotia 3.100 4.550 3.290 3.140 3.440 3.940 4.790

CIBC Mortgages 3.000 4.450 2.990 2.940 3.650 4.240 4.990

Canadian Western Bank 3.200 4.000 3.140 3.040 3.650 4.200 4.990

Canadian Western Trust 3.200 4.000 3.140 3.040 3.650 4.200 4.990

Effort Trust - 4.450 3.450 3.600 3.700 4.600 4.950

Equitable Bank - - 3.140 3.140 3.950 4.540 4.940

First Calgary Financial - 4.000 2.890 2.890 3.190 3.390 3.290

First National Financial 2.450 3.950 2.990 2.590 2.690 2.890 3.090

FirstOntario Credit Un. 2.600 4.240 3.090 3.140 3.290 2.940 3.090

HSBC Bank Canada 3.100 4.450 3.540 3.040 3.540 4.240 4.940

Home Trust Company 2.500 3.950 2.890 2.890 2.790 2.940 2.950

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.890

Investors Group Trust 3.000 4.200 3.140 3.140 3.750 4.640 4.990

Laurentian Bank Canada 3.000 4.400 3.140 3.140 3.500 4.390 4.790

League Svgs & Mortgage - 4.000 3.140 3.040 3.100 3.140 3.190

Libro Credit Union - 3.900 3.150 3.150 3.150 3.200 3.250

London Life 3.000 4.200 3.140 3.140 3.750 4.640 4.990

Manulife Bank 2.700 4.450 3.000 3.040 3.040 3.090 3.090

Manulife Trust - 4.450 3.000 3.040 3.040 3.090 3.090

Meridian Credit Union 2.750 4.000 3.090 2.650 3.650 3.290 3.190

National Bank 3.000 4.400 3.140 3.040 3.750 4.390 4.790

Peace Hills Trust - 4.500 3.150 3.500 3.750 3.850 3.950

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

Royal Bank of Canada 3.000 3.140 3.140 3.140 3.950 4.540 4.940

Servus Credit Union - 4.000 3.090 3.040 3.440 3.940 4.790

Steinbach Credit Union - - 2.750 2.850 2.950 3.050 3.100

T-D Mortgage 3.000 3.140 2.990 2.940 3.440 3.940 4.790

Tangerine 3.000 - 3.190 3.240 3.490 3.690 3.790

Mortgage interest rates


Hopewell Residential www.hopewellcommunities.com

Baywest Homes www.baywesthomes.com

Cardel Homes www.cardelhomes.com

Vesta Properties www.vestaproperties.com

Jayman Homes www.jayman.com

Homes by Avi www.homesbyavi.com

Mattamy Homes www.mattamyhomes.com

United Communities www.unitedcommunities.com

Jager Homes www.jagerhomes.com

Dream Development www.dream.ca

Brookfield Residential www.livebrookfield.com

Bordeaux Developments www.bordeauxdevelopments.com

Sabal Homes www.sabalhomes.com

Shane Homes www.shanehomes.com

Trico Homes www.tricohomes.com

Calbridge Homes www.calbridgehomes.com

Landmark Homes www.landmarkgroup.ca

Cedarglen Homes www.cedarglenhomes.com

Morrison Homes www.morrisonhomes.ca

Excel Homes www.excelhomes.ca

Apex Developments www.apexbuildergroup.com

Genesis Land www.genesisland.com

Genstar Developments www.genstar.com/cities/calgary

Landscape 360 www.landscape360.ca

Qualico Communities www.qualicocommunities.com/calgary

Stepper Custom Homes www.stepperhomes.com

Tamani Communities www.tamanicommunities.com

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

Watermark www.watermarkatbearspaw.com

Builders and Developers

web directory

smart comes standard

feel secureexperience the new Jayman connected home system

At Jayman MasterBUILT, we’re pleased to introduce a new way to monitor, manage and stay connected to your home. Control and automate your lighting, security, temperature and more from your smartphone or tablet – anytime, anywhere. It’s all included with your Jayman Connected Home, which now comes standard in our single family homes.

Experience the feeling at

Jayman.com/Feel

AUBURN BAY EVANSTON MAHOGANY SUNSET RIDGE RIVIERA

2015-01-22-NHG - February.indd 1 1/23/2015 8:46:53 AM

Choose A Contemporary Lifestyle In Our Towns And Detached Designs.

Mattamy’s Cityscape Community Offers More Affordable City Living.

The Iris Showhome In Cityscape

FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM

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

SALES CENTRE HOURS: Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pmFollow us:

Urban Townhome, The Liberty, 1,314 Sq.Ft.

Liberty

Laned Home, The Iris, 1,658 Sq.Ft.

Mét

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NE

2

201Country Hills Blvd

1

Stoney Trail NW

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NE

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SALESCENTRE

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Single Car Garage HomesFrom The Low $400’s

Double Car Garage HomesFrom The Low $400’s

Urban TownhomesFrom The Low $300’s

Laned HomesFrom The High $300’s

SALES CENTRE: 10520 Metis Trail NE, 403-616-1589

MATCALGARY - Cityscape_New Home Guide – Magazine Due: 20/01/2015

File Name: MATCALGARY-CS_NewHomeGuide_Mag Publication: Calgary New Home Guide

Trim: 7.5” x 10.5” Safety/V.O.: .25” DPI: 300

Bleed: 0.125” Colours: CMYK Built: 19/01/2015 - JND

MATCALGARY-CS_NewHomeGuide_Mag.indd 1 2015-01-20 10:34 AM

Calgary New Home Guide - Jan 30, 2015

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Transcript of Calgary New Home Guide - Jan 30, 2015