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INSIDE THIS ISSUE
NOTE THAT THIS CALLOUT IS ALWAYS YPNH GREY IN COLOUR
AND THAT THE BAR IS ALWAYS WHITE ON BOTTOM OF PAGE
HIT SHIFT F7 AND DISTRIBUTE SPACING AT 0.2074 INCHES
SOUTHWESTERN ONTARIO EDITION
INSIDE THIS ISSUE
HAMILTON: STRONG ECONOMYAND HOUSING MARKET
NEW BEGINNINGS IN A NEWLY-BUILT HOME
TIPS FOR TAPPING INTO YOUR RRSP
FEB 27 - MAR 12, 2016VOLUME 19, ISSUE 4, FREE
SOUTHWESTERN ONTARIO EDITION
WYNDFIELD
Prices, sizes and specifi cations subject to change without notice. Please see Sales Representative for details.All Illustrations are artist's concept only. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected. E. & O. E.
At Wynd� eld, life is about the simple moments that make every day special. A new release of spectacular townhomes and detached homes is now available to help you and your family enjoy those moments.
NOW OPEN
EmpireWynd� eld.com
To Hamilton
DREAMHOME GALLERY
ColborneColborne
Colborne
St. West
Colborne
St. West
DalhousieDalhousie
Gretzky P
WG
retzky PW
Paris Rd
Paris Rd
Brant Ave.
Brant Ave.M
T. Pleasant
MT. P
leasant
Blackburn Dr
Blackburn Dr
Conklin Rd
Conklin Rd
403
N
Veterans Memorial Pkw
Clarence S
t S
.
Clarence S
t S
.
OPEN 7 DAYS A WEEK: Mon-Thurs: 1-7pmFri: 1-6pmSat & Sun: 11am-5pm
309 Blackburn Dr.519.756.4554
BRANTFORD
facebook.com/EmpireCommunities
@Empire_Living
IN PARTNERSHIP WITH
EMPI 9523-NH&C-DPS-15x10.5-F.indd 1 2016-02-22 8:59 AM
WYNDFIELD
Prices, sizes and specifi cations subject to change without notice. Please see Sales Representative for details.All Illustrations are artist's concept only. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected. E. & O. E.
At Wynd� eld, life is about the simple moments that make every day special. A new release of spectacular townhomes and detached homes is now available to help you and your family enjoy those moments.
NOW OPEN
EmpireWynd� eld.com
To Hamilton
DREAMHOME GALLERY
ColborneColborne
Colborne
St. West
Colborne
St. West
DalhousieDalhousie
Gretzky P
WG
retzky PW
Paris Rd
Paris Rd
Brant Ave.
Brant Ave.M
T. Pleasant
MT. P
leasant
Blackburn Dr
Blackburn Dr
Conklin Rd
Conklin Rd
403
N
Veterans Memorial Pkw
Clarence S
t S
.
Clarence S
t S
.
OPEN 7 DAYS A WEEK: Mon-Thurs: 1-7pmFri: 1-6pmSat & Sun: 11am-5pm
309 Blackburn Dr.519.756.4554
BRANTFORD
facebook.com/EmpireCommunities
@Empire_Living
IN PARTNERSHIP WITH
EMPI 9523-NH&C-DPS-15x10.5-F.indd 1 2016-02-22 8:59 AM
BW-NHC_SWO-0116.pdf 1 2016-01-12 4:53 PM
BW-NHC_SWO-0116.pdf 1 2016-01-12 4:53 PM
Map not to scale. Pricing and specifications subject to change without notice. E&OE
Garner Rd. E
Glan
caste
r Rd.
Rymal Rd. W.
6
403
SITE
Lincoln M. AlexanderParkway
Uppe
rPa
radi
se R
d.
PRONTOMOVE-IN HOMES
READY WHEN YOU AREPRONTOHOMES ON DEMAND
Don’t miss your final chance to get the inside story on Woodlands. Losani wants your buying experience to be as rare and individual as the homes at Woodlands, so over the next few weeks, Losani will be revealing everything you need to know to make an informed decision prior to your private appointment, including the site plan, floor plans, price ranges and so much more. Register now to start your Woodlands story.
Upscale residences on 40’, 46’ & 50’ forest court lots from the mid $500’s – $800’s
Register now to start your boutique buying opportunity at Woodlands
This can be your backyard
WoodlandsAncaster.comFor more information on this boutique reveal program, visit:
6 YPNEXTHOME.CA
Discover Why Our New Urban Townhomes are
KW’s Best Value.
• Great Upscale Neighbourhood - In Kitchener on the border of Waterloo - Enjoy Kitchener’s lower property taxes
• Modern Open Concept Layouts• Attached Garage on Select Units• Close to the Campus• Single Level Models Available• Exterior Maintenance Free Living! - No grass cutting or snowplowing!
With today’s low interest rates, stepping up on the real estate ladder has never been more timely. Award-winning developer CountryGreen Homes presents Westwood Mews — contemporary Urban Townhomes featuring open concept plans up to 1,365 square feet. Located in the desirable Westmount area just off Glasgow Street, close to restaurants, shopping, golf, and gyms. Enjoy an upscale lifestyle at an affordable price.
FROM THE MID
$200sTO
401
TO 401
Great Value, Great Lifestyle!Come Visit Us at 367 Westwood Dr. Mon – Wed 2-7 p.m. Sat/Sun – 11-4 p.m.Thursday, Friday & Holidays By AppointmentE: [email protected]
www.countrygreenhomes.com • Call: 905-630-58037
property profiles
30 Mountainview HomesYour dream home awaits at Fernwood Estates in Niagara
46 Mattamy HomesCall Waterdown home at beautiful Cranberry Hill
advice
26 Mortgage AdviceThe five biggest mortgage mistakes to avoid
50 Fundamentally SpeakingFixed mortgage at 1.69 per cent hits market
city focus
42 HamiltonGrowing economy and strong housing market
trending
14 Tax TipsBe careful tapping into your RRSP before retirement
32 Housing MarketHousing starts in Ontario keep humming along
inspiration
44 Design SecretsNew beginnings in a newly-built home
buyers’ resource section
15 Hot Properties Kitchener-Waterloo & LondonNew releases and grand openings
21 Hot Properties HamiltonNew releases and grand openings
51 Mortgage Rates
in every issue
10 Editor’s Note
52 Advertiser Index
53 What’s Online
contentsFEB 27 - MARCH 12, 2016 | VOLUME 19 ISSUE 4
12 Branthaven HomesFreedom is now open on Stoney Creek Mountain
ON THE COVER
PRESIDENT, YELLOW PAGES NEXTHOME
Jacqueline Hill
ASSOCIATE PUBLISHER
Susan Maxwell
EDITOR-IN-CHIEF / DIRECTOR OF CONTENT
Susan Legge
DIRECTOR OF SALES, NATIONAL
Moe Lalani
EDITOR
Wayne Karl
ART DIRECTOR
Daiana Garay
CONTRIBUTING EDITORS
Sara Duck (on leave) Elisa KrovblitLydia McNutt (on leave)
SALES CO-ORDINATOR
Sarah Khan
MANAGER OF PRODUCTION
Bala Gnanapandithan
CO-ORDINATOR
Sandra Hanak-Vujnovic
GRAPHIC DESIGNER
Miguel Cea
CONTRIBUTING WRITERS
Joanne KeenanJeffrey Reed
#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867
ypnexthome.ca
ADVERTISING Call Susan Maxwell at 416.988.1172 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: [email protected] Office hours are Mon-Thurs. 9-5; Fri. 9-12CIRCULATION Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec.TERMS Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.EDITORIAL Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor.COPYRIGHT 2016 All rights reserved by New Home & Condo Guide, Toronto, Ontario. 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. Yellow Pages Next Home is a trademark of Yellow Pages Group Co. in Canada.
12
Please recycle this magazine! Yellow Pages NextHome participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.
8 YPNEXTHOME.CA
REGISTER
NOW! FOR YOUR
SHOW HOME TOUR
FAMILY SINGLES ON 40’, 45’ & 50’ LOTS
NATURALLY BETTER LIVING IN NIAGARA
Designer Show Home
GRANDOPENINGFEBRUARY 27 & 28!
FOR A LIMITED TIME
$5,000IN DESIGN
DOLLARS!
www.mountainview.com905.323.6232
Visit The Designer Show Home!5668 Osprey Ave, Niagara Falls
Monday, Thursday, Saturday, Sunday 12-5 p.m.
Wednesday 12-7 p.m. Tuesday & Friday by appointment.
Prices are subject to change without notice. E.&O.E. Off er valid for a limited time. Subject to availability. $5,000 promotion only available at Fernwood. Not valid with any other promotion.
STUNNING
SINGLES
FROM THE HIGH
$300’s!
9
Exploring new neighbourhoods
Real estate proves its worth over time Since 2016 is a leap year, we thought
it would be interesting to examine
Canadian home price growth by
looking at four-year intervals.
In a story on YPNextHome.ca,
we’ve done just that – we’ve gone all
the way back to 1984 – and the home
price growth is staggering.
If you’ve ever heard the axiom,
“Don’t wait to buy real estate, buy real
estate and wait,” this story will defi ne
its meaning.
You won’t believe it. We looked at
market by market average home price
growth. While the usual suspects –
Toronto and Vancouver – are among
the leaders, other areas, including
those in Southwestern Ontario, also
demonstrate their value over time.
The growth over such a long
period of time is impressive, if not
expected. But when you look at it in
four-year windows, you see variable
growth rates and regional vacillations.
This speaks to the importance of
economic and job growth as key
drivers of real estate.
And more than anything, the
exercise underlines the value of real
estate over the long term.
+ get social
Editors' Notes
Interact with us on social media: ypnexthome
A wanna-be adventurer at heart, I
relish exploring new neighbourhoods
on a bicycle. It’s been my main mode
of transportation since I was little. I’ve
been lucky over four solid decades to
discover the good, the bad and the
unexpected side of a neighbourhood
thanks to my two-wheeled friend.
With bike sharing services such
as Bixi and VeloGo, it’s easier than
ever to discover a neighbourhood in
metropolitan areas across the country.
Faster than walking, easier than
transit – when you really want to
understand what a neighbourhood is
all about, nothing beats a simple ride
around the area.
For those who want to explore some
of Canada’s top neighbourhoods
even more intimately than by bike,
surf your way to YPNextHome.ca to
check out our team’s top featured
neighbourhoods.
With more than 2,700 di� erent
neighbourhoods to discover, along
with thousands of condominium,
rental properties and homes for sale,
your adventure begins right here. Let
us know what you think. We’d love to
hear from you!
WESTDALESUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge
WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]: @WayneKarl
SEE MORE ONLINEypnexthome.ca/westdale
10 YPNEXTHOME.CA
C
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160108_AquaBlu_NHG_NAIS_FL.pdf 1 2016-02-12 4:30 PM
Property Profile | BRANTHAVEN HOMES
cover story
IN THE MARKET FOR A STYLISH,
feature-rich and affordable
townhome lifestyle? Look no further!
Perched on the Stoney Creek
Mountain next to 285 acres of pristine
conservation area, Branthaven’s latest
townhome community is now open.
Freedom is a collection of
innovative two- and three-storey
“freedominium” townhomes that are
perfectly situated at the crossroads of
Rymal Road and Dakota Boulevard.
Steve Stipsits, president of
Branthaven Homes says, “We’ve
re-thought and re-imagined every
facet of townhome living to provide
you the freedom of attainable
homeownership and an enhanced
quality of life. We have designed
Freedom around a rewarding and
easy-to-maintain lifestyle, inside
and out.”
Stipsits adds, “The interior layouts
designed to improve the way you
live, regardless of whether you’re
a single professional, a growing
family or a “smart sizing” retiree.
The exteriors are high-end but boast
smart, maintenance-free materials
so you can get out, enjoy life and
Freedom is now open on Stoney Creek Mountain!Live the lifestyle with Branthaven Homes
12 YPNEXTHOME.CA
upgrades at no extra cost. Fresh
Thinking kitchens have many well-
considered features to improve the
hub of the home. Look for deep
drawers with pots and pan dividers,
spacious pantries, smart tech plugs,
cutlery roller drawers, pull-out
garbage bins, tablet mounts, and on-
trend tile backsplashes – all included
at no extra cost. Some designs even
include a chef’s island!
Fresh Thinking bathrooms are spa-
inspired with modern square tubs,
designer tiles, shower caddies and
hotel-inspired vanities with integrated
shelves to relax and unwind in
effortless style.
Freedom’s location on Stoney
Creek Mountain is prime. A
desirable location surrounded by
high-calibre amenities like new
schools, convenient shopping and
entertainment and state-of-the-art
recreation facilities appeals to all.
Freedom is surrounded by natural
amenities like the nearby Eramosa
Karst Conservation Area, Felkers
Falls and Devil’s Punch Bowl. It’s also
prized for its quick commuter access
via the Linc, Red Hill Expressway and
the QEW to Toronto or Niagara.
“Stoney Creek is among the fastest
growing parts of the GTA West with
a pent-up demand for townhome
product,” says Stipsits. “And, with such
affordable pricing when compared
to the GTA, homeownership is more
than attainable. It’s the new found
freedom you’ve been looking for.”
Townhomes start from the $300’s.
Register now at branthaven.com/
freedom for your exclusive offers and
community updates.
LocationStoney Creek Mountain
BuilderBranthaven Homes
DevelopmentFreedom
Home TypeTwo- and three-storey townhomes from the $300’s
Contactbranthaven.com/freedom
not have to worry about typical
homeownership costs.”
Freedom offers 12 floorplan
designs, two of which are being
launched exclusively at the Grand
Opening event on Feb. 27. Buyers
can choose from two- and three-
bedroom options in both two-storey
and urban three-storey townhomes,
some with backyard walk-outs and
double-car garages, providing a real
freedom of choice for almost any
lifestyle.
Freedom will deliver Branthaven’s
renowned authentic architecture and
distinctive features. Buyers can expect
high quality materials, such as stately
stone skirting, textured maintenance-
free cedar profile shakes and strikingly
large windows.
The master-planned community of
slightly less than 200 townhomes has
a privately-maintained road and lush
landscaping features. Everything is
looked after in the common element
and community spaces. It ensures
curb appeal and long-term value
while still allowing you to customize
your own dwelling.
Branthaven is renowned for the
exceptional flow and functionality of
their floorplans. Interiors at Freedom
have been configured for easy
furnishing and effortless style. Living
spaces have airy nine-ft. ceilings to
encourage bright and inviting spaces.
Homeowners will have the ability to
entertain without compromise on
a more intimate scale or for larger
celebrations.
Freedom buyers will also benefit
from Branthaven’s signature Fresh
Thinking features – standard
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 13
BEWARE OF THE DOS and don’ts around
Registered Retirement Savings Plans
(RRSPs) if you’re planning to make a
contribution or an early withdrawal,
says Jamie Golombek, managing
director, tax and estate planning, CIBC
Wealth Advisory Services.
“It’s tempting to tap your RRSPs for an
emergency, but RRSPs should generally
be viewed as long-term savings tools,”
says Golombek. “Borrowing money
from your RRSP can make sense if you
use the funds prudently to fund longer
term goals that deliver their own return,
such as buying a home, which hopefully
increases your net worth, or investing in
your education, which may help boost
your earnings potential.”
A Tax-Free Savings Account (TFSA),
which allows you to recontribute any
amounts withdrawn in a future year,
may be a better option if you need
more fl exibility with your fi nances,
he says.
Using an RRSP to help buy your fi rst home
Under the Home Buyers’ Plan (HBP),
you can withdraw up to $25,000
from your RRSP to purchase a new
home. Your spouse or partner may
also be able to withdraw $25,000, for
a combined total of $50,000. To take
advantage of the HBP, you need to
be a “fi rst-time home buyer,” which
is generally defi ned as someone who
hasn’t owned a home in the past
fi ve years.
“This is a smart option for fi rst-time
home-buyers who are just pulling
together their funds,” says Golombek.
“It can help you meet your down-
payment requirements and save you
a lot of money on a mortgage loan
insurance you might otherwise need.”
Amounts withdrawn under the
HBP, however, must be repaid over a
maximum of 15 years or the amount
not repaid in a year is added to your
income and becomes taxable.
Trending
Tapping your RRSP before retirement?Do it prudently: CIBC
Using an RRSP to go back to school
Through the Lifelong Learning Plan
(LLP), you can borrow $10,000 a year,
up to a total of $20,000, from your
RRSP to fi nance your education. To
take advantage of this plan, you must
be enrolled or must have received
an o� er to enroll on a full-time basis
in a qualifying Canadian or foreign
educational institution. The funds can
then be used for any purpose with
no proof of expenses required, and
must be repaid over a 10-year period.
The LLP cannot be used to fund your
child’s education.
With both the HBP and LLP, there
are no penalties for paying back the
funds earlier than required. “If you
repay early, you can benefi t from the
tax-free compounding of investment
returns inside your RRSP as soon as
possible,” says Golombek.
MORE TRENDING ONLINEypnexthome.ca/news
Resist using your RRSP as an emergency fund
While an RRSP can help fund long-
term fi nancial goals, it should
generally not be viewed as a go-to
emergency fund, he says.
RRSP withdrawals are taxable
at your marginal tax rate and are
subject to immediate withholding
taxes when withdrawn.
“If you dip into your RRSP for
extra cash, you will not only be
taxed, but you will lose the ability
to recontribute those funds to your
RRSP without generating additional
room,” says Golombek.
If you think you may have to
draw on your long term savings before
retirement, a TFSA may be the better
option because it o� ers more fl exibility.
A fi nancial advisor or tax expert
can help you determine the best
option for your retirement savings.
This year’s deadline to make a RRSP
contribution is Feb. 29.
“Regardless of whether you opt
for an RRSP or a TFSA, the important
thing is to save so you can meet your
life goals today and in retirement,”
says Golombek.
14 YPNEXTHOME.CA
Hot Properties
LATEST LISTINGS Find your next home! This page features a few of the latest properties to keep your eye on in Southwestern Ontario. Find more properties at ypnexthome.ca
pre-registration
140 CALEDONIABy: The Tricar Group
City: Stratford
Housing type: Four-storey boutique style
condominiums from the high $200’s.
tricar.com
VICTORIA ON THE RIVER By: Stonecrest Homes
City: London
Housing type: Single-family homes at at
Hamilton Road & Commissioners Road East.
stonecresthomes.ca
new openings
REMBRANDT ESTATESBy: Rembrandt Homes
City: Woodstock
Location: Riddell Street at St. Vincent
Housing type: Custom homes, bungalows
and bungalows with lofts, from $499,900.
rembrandt-homes.ca
CASTLE ROCK PLACEBy: Rembrandt Homes
City: London
Location: 3444 Singleton Ave., o� Southdale
Housing type: Two-storey and mulit-level
condominium townhomes from $231,990.
rembrandt-homes.ca
FOX FIELD By: Fusion Homes
City: London
Location: Fanshawe Park Road West
and Foxwood Avenue
Housing type: Single-family homes
from $482,900
fusionhomes.com
new releases
BALDWIN PLACE By: Tillsonburg Developments
City: Tillsonburg
Housing type: Single-detached freehold
bungalows from $244,500.
baldwinplace.ca
pre-registration
WESTWOOD MEWSBy: CountryGreen Homes
City: Kitchener
Housing type: Urban townhomes up
to 1,365 sq. ft. from the mid $200’s
countrygreenhomes.com
WILDFLOWERSBy: Mattamy Homes
City: Kitchener
LONDONBAYFIELD • BLYTH • CLINTONGRAND BEND • INGERSOLL • LONDONMITCHELL • SEAFORTH • SHAKESPEAREST.THOMAS • STRATFORD • TAVISTOCKTILLSONBURG • WINGHAM • WOODSTOCK
HALTON HILLS WELLINGTON WATERLOO
ALMA • AYR • CAMBRIDGE • ELORAFERGUS • GEORGETOWN • GUELPHKITCHENER • ROCKWOOD • WATERLOO
Housing type: Townhomes and 30- and
36-ft. detached homes.
mattamyhomes.com
ISHERWOOD AVENUE CONDOSBy: Activa Group
City: Cambridge
Location: 25 Isherwood Avenue
Housing type: Condo community
activagroup.ca
new openings
ROSEMOUNT SEMISBy: CountryGreen Homes
City: Kitchener
Housing type: A� ordable semi-detached
homes in the heart of Kitchener
countrygreenhomes.com
CLAIRITY By: Reid’s Heritage Homes
City: Guelph
Housing type: One- and two-bedroom
condominiums from the mid $200’s
reidsheritagehomes.com
AVALON URBAN TOWNS By: Savic Homes
City: Kitchener
Location: Highland Road West and
Ira Needles Blvd.
Housing type: Design-forward
urban towns
avalontowns.ca
CLAIR ROAD By: Gemini Homes
City: Guelph
Location: Singles and towns now
selling in highly desired location
in South Guelph.
geminihomes.ca
BuildersIf you would like to include your preview registration, new release or site opening in this feature, just email the details to [email protected]
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SEARCH ONLINEypnexthome.ca
16
LOCATION BUILDERS SITES PRICES PAGESem
i
Condo
Tow
nhom
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Det.
Bunga
low
Adult
Lifes
tyle
Beamsville LOSANI HOMES Vista Ridge • from $400's 6
Binbrook LOSANI HOMES Fairgrounds Finale • from mid $500's 6
Fergus REIDS HERITAGE HOMES Westminster Highlands • • BC
Guelph COLETERA DEVELOPMENT Liberty Square • from $189,900 18
Kitchener COUNTRY GREEN HOMES Westwood Mews • from mid $200's 7
Kitchener LOSANI HOMES Doon Creek • • from low $300's 6
Kitchener LOSANI HOMES Victoria Common • from high $200's 6
Paris LOSANI HOMES Simply Grand • • • from high $200's 6
Tillsonburg TILLSONBURG DEV. Baldwin Place • • from $244,500 19
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ADVERTISER'S MAPPING INDEX
17
REGISTER TODAY!FOR VIP INFORMATIONOR CALL FOR PRIVATE APPOINTMENTcoletara.com 519 - 830 - 7171
INCREDIBLE GUELPH LOCATION CLOSETO UNIVERSITY
LOW CONDO FEES9’ CEILINGS
PARKING & STORAGE LOCKERS INCLUDED
D E V E L O P M E N T
SALESCENTRE
SALES CENTRE AT:1077 GORDON ST., GUELPH
All prices subject to change without notice. All images are artist’s concept. Map not to scale. E & O.E. Follow us on
LAST CHANCEFINAL SUITE RELEASE THIS APRIL
NEW 4 BEDROOM, 4 BATH DESIGN AVAILABLE
3 ESSELTINE DRIVE, TILLSONBURGMODEL HOME HOURS:
OPEN MONDAY - THURSDAY, SATURDAY & SUNDAY 10AM TO 5PM.
FRIDAYS & HOLIDAYS BY APPOINTMENT ONLY.
E.& O.E. Prices & Specifications are subject to change without notice.
Call us now at 1-800-265-5709 baldwinplace.ca
Baldwin PlaceGreat Homes, Great Lifestyle, Great Neighbours
TheLifeIt’s
See it all atbaldwinplace.ca
An Adult Lifestyle Community
BP2016 NH&C Ad 2_Layout 1 2016-02-09 2:52 PM Page 1
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 19
START SEARCHING NOW!
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Hot Properties
LATEST LISTINGS Find your next home! This page features a few of the latest properties to keep your eye on in Southwestern Ontario. Find more properties at ypnexthome.ca
pre-registration
FREEDOMBy: Branthaven Homes City: Stoney Creek Housing type: Grand Opening Feb. 27– luxury two- and three-storey townhomes branthaven.com
FALLINGWATERSBy: Losani Homes City: Hamilton Mountain Housing type: Modern towns at the edge of the Escarpment from the mid $300’s losanifallingwaters.com
LEGACY ANCASTERBy: Carriage Gate Homes Location: Ancaster Housing type: Limited collection of luxury custom homes on 50-, 55-, 60 and 66-ft. lots carriagegatehomes.com
TIFFANY HILLBy: Rosehaven Homes, Homes by DeSantis & CDI Homes Location: Ancaster Housing type: Phase two – detached homes and freehold townhomes tiffanyhill.ca
AFFINITY CONDOMINIUMSBy: Rosehaven Homes Location: Aldershot, Burlington Housing type: Two contemporary six-storey buildings with suites from 585 to 1,200 sq. ft., one-bedroom up to two-bedroom with den designs. Prices from the upper $200’s affinitycondo.com
STATIONWESTBy: Adi Developments Location: Burlington Housing type: Coming soon – three-storey urban townhomes at Aldershot Go Station adidevelopments.com
PASSAGES ON THE CANALBy: Bayview-Wellington Homes Location: Welland Housing type: Coming soon – luxury freehold executive townhomes mypassages.ca
AVALONBy: Empire Communities Location: Caledonia Housing type: Townhomes from $239,990 and detached homes from the mid $269,990 empireavalon.com
THE WOODLANDS ANCASTERBy: Losani Homes City: Ancaster Housing type: Singles on forest court lots from the $500’s woodlandsancaster.com
PUREBy: Branthaven Homes City: Milton Housing type: Spacious two-storey freehold townhomes branthaven.com
LAKE HOUSEBy: Branthaven Homes Location: Grimsby Housing type: Waterfront townhomes and condoslakehouselife.ca
THE BERKELEY CONDOMINIUMSBy: Carriage Gate Homes City: Burlington Location: Caroline Street and Elizabeth Street Housing type: 154-unit condocarriagegatehomes.com
new openings
CREEKSHORE COMMONBy: Mattamy Homes City: Oakville Housing type: Boutique condominiums and townhomesmattamyhomes.com
PRAIRIE MODERNBy: Losani Homes Location: Hamilton Housing type: Townhomes from the low $300’s prairiemodern.ca
AUGUSTABy: Losani Homes City: Ancaster Housing type: Modern semis from the mid $400’s losanihomes.com
HAWTHORNE SOUTH VILLAGEBy: Mattamy HomesCity: Milton Housing type: Townhomes and detached homes in master-planned communitymattamyhomes.com
CRANBERRY HILLBy: Mattamy Homes City: Waterdown Housing type: Now open – new 30- and 36-ft. detached designsmattamyhomes.com
WOODLANDSBy: Mountainview Homes City: Niagara Falls Housing type: Single-detached and townhomes from $229,900mountainview.com
AQUABLUBy: Homes by DeSantis City: Grimsby Housing type: Condominium community of modern suites along the lake aquablucondo.com
Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to [email protected]
HAMILTON HALTON NIAGARAANCASTER • BEAMSVILLE • BINBROOK • BRANT • BRANTFORD • BURLINGTONCATHARINES • GRIMSBY • HAMILTON • MILTON • NIAGARA • OAKVILLE • PARIS PORT DOVER • ST. CATHARINES • STONEY CREEK • VINELAND
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 21
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SEARCH ONLINEypnexthome.ca
22
ADVERTISERS
LOCATION BUILDERS SITES PRICES PAGESem
i
Condo
Tow
nhom
e
Det.
Bunga
low
Adult
Lifes
tyle
Ancaster CARRIAGE GATE HOMES Legacy in Ancaster • from $900,000 33
Ancaster LOSANI HOMES Augusta • from mid $400's 6
Ancaster LOSANI HOMES Astoria • from low $300's 6
Ancaster LOSANI HOMES The Woodlands Ancaster • • from $500's 6
Ancaster ROSEHAVEN HOMES Tiffany Hill • • 35
Burlington ADI DEVELOPMENT Nautique • from high $200's 24
Burlington ADI DEVELOPMENT Station West • from high $300's 39
Brantford EMPIRE Wyndfield • • 2&3
Burlington ROSEHAVEN Affinity Condominiums • 35
Georgetown MENKES The Enclaves of Upper Canada • • from mid $700's 25
Greensville THOMAS COCHRENE The Greystones • from $1,400,000 37
Grimsby HOMES BY DESANTIS AquaBlu • from $269,900 11
Hamilton LOSANI HOMES Central Park • • from high $200's 6
Hamilton LOSANI HOMES Fallingwaters • from mid $300's 6
Hamilton LOSANI HOMES Greenhill Glen • from mid $400's 6
Hamilton LOSANI HOMES Prairie Modern • from low $300's 6
Jordan PHELPS HOMES The Kingsway at Jordan Village • 27
Niagara BW HOMES Passages on the Canal • 5
Niagara MOUNTAINVIEW HOMES Fernwood • from high $300's 9
Oakville MATTAMY HOMES The Preserve • • from $821,990 54&55
Oakville ROSEHAVEN HOMES Rendall Residences • from $2,000,000 35
Oakville ROSEHAVEN HOMES Woodland Trails • • from mid $600's 35
Smithville PHELPS HOMES Auburn Trail • • from $390's 27
Smithville PHELPS HOMES Atwater • • from $320's 27
Smithville PHELPS HOMES Brookside • • from $390's 27
St. Catharines BW HOMES Victoria Village • • from high $300's 4
Stoney Creek BRANTHAVEN HOMES Freedom • from low $300's 28&29
Stoney Creek ROSEHAVEN HOMES On the Ridge • 35
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ADVERTISER'S MAPPING INDEX
23
Prices and specifications subject to change without notice. Illustration is artist’s concept. Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected. E. & O.E.
GRAND OPENINGPresenting the much anticipated Grand Opening
of Nautique Lakefront Residences.
Exceptional living has arrived at a most coveted
downtown Burlington address.
Condominiums from the high $200,000s.
Striking. Seductive. Decidedly different.
Presentation Centre & Model Suite375 Brant Street (Corner of Brant & Pine Streets,downtown Burlington)Hours: Monday - Thursday: 1 pm - 6 pmFriday: By AppointmentSaturday, Sunday & Holidays: 12 noon - 5 pm
AdiDevelopments.com • 289.337.0766
Mar
tha
St.
Lakeshore Road
Lake Ontario
Bra
nt S
t
Caroline St.
PRESENTATIONCENTRE
Pine St.
QEW
SITE
N
Nautique_CG_GO_Feb13_Nautique 2016-01-28 11:41 AM Page 1
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 25
Advice | MORTGAGE ADVICE
NOW THAT YOU’VE decided to buy
a home, there are numerous steps
in the process you’ll have to follow.
When it comes to getting a mortgage,
it could cost you in the long run if
you make a mistake or two.
To help you save money and
avoid potential problems down the
road, here are some mistakes you
should avoid:
1. Not knowing your credit score/rating
Lenders love borrowers with a good
credit rating. They’re often the ones
who pay their bills on time, don’t use
a large percentage of their available
credit, and have di� erent types of
credit, such as a credit card, car loan,
and line of credit. If you have good
credit, you should be able to qualify
for the best mortgage rates. But if
you have bad credit, expect to get
a mortgage with a higher interest
rate. Not sure of what your rating is?
You can get your credit score from
Equifax or TransUnion.
2. Not being pre-approved for a mortgage
If you’ve been looking at properties
for a while, you might suddenly fi nd
the perfect home. But it’s possible
you won’t be able to a� ord the
place. That’s why it’s best to get pre-
approved for a mortgage so you’ll
know how much you can a� ord.
Many lenders will guarantee your
pre-approved rate for a period of
The 5 biggest mortgage mistakes to avoid
MORE ADVICE ONLINEypnexthome.ca/news/advice
between 60 and 120 days. That’ll give
you time to fi nd a property in your
price range.
3. Not shopping around a mortgage
If you think you’ll get rewarded with
the lowest rate from your fi nancial
institution because you’ve been a
loyal customer for a number of years,
think again. Your institution may not
have the best rate while a rival across
the street might have a lower rate.
You should do some comparison
shopping on a site like RateHub.ca
before getting a mortgage. You can
also hire a mortgage broker who can
do all the legwork at no cost to you.
4. Not making more payments
No one really likes to carry a large
mortgage. Typically, mortgage
payments are made on a monthly
basis but there are ways to pay
it o� faster by using accelerated
biweekly payments. For example, if
you have a $400,000 mortgage with
a 25-year amortization and make
monthly payments, your mortgage
won’t be paid o� until 2041. We
used RateHub’s mortgage payment
calculator and found if you make
accelerated payments, you’d pay o�
your mortgage nearly three years
earlier and save about $15,000 in
interest. Also, most lenders allow you
to make lump-sum payments, which
will let you pay your mortgage down
faster and save you thousands of
dollars in interest.
5. Not preparing for extra costs
Buying a home can end up costing
a lot more than you’d expect. First,
there are closing costs, which
include legal fees, title insurance and
the land transfer tax. You might also
need to reimburse the seller for the
property taxes and utility bills they’ve
already paid. These costs will add
up to from anywhere between 1.5
and four per cent of the property’s
purchase price.
Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart fi nancial decisions.
By Alyssa Richard
26 YPNEXTHOME.CA
Life. Imagined.
Whoever said you can’t have it all, doesn’t live here.There’s nothing like a little extra space to spread your wings. With larger lots, double
car garages, and great rooms for family gatherings you simply get more than you
bargained for with a Phelps home. Not only do you get more space to live, but the
craftsmanship and modern designs have been specially chosen and carefully built.
And what really makes a Phelps home special is where we put it. In Smithville. Away
from the hustle and bustle of a big city, surrounded by nature’s best - but close
enough to the things that matter; schools, farmers’ markets, and local wineries.
Visit our model home and start living the life you imagined.
PhelpsHomes.comEXECUTIVE FAMILY HOMES ON 50’ LOTS NIAGARA’S PREMIER ADULT LIFEST YLE COMMUNITIES
Prices, features and specifications are subject to change without notice and are accurate at time of publication. Subject to availability. Please see sales representative for details. E. & O.E.
Bungalows + 2 storeys
from the 390s 905-945-6978
Detached Bungalows
from the 390s 905-957-1777
Attached Bungalows
from the 320s 905-957-1777
BH_FR DP NHC FEB12.pdf 1 2016-02-22 1:36 PM BH_FR DP NHC FEB12.pdf 2 2016-02-22 1:36 PM
28 YPNEXTHOME.CA
BH_FR DP NHC FEB12.pdf 1 2016-02-22 1:36 PM BH_FR DP NHC FEB12.pdf 2 2016-02-22 1:36 PM
29
Property Profile | MOUNTAINVIEW HOMES
PHASE ONE AND TWO SOLD out quickly at the
beautiful Fernwood community in the heart of
Niagara Falls, and this weekend, families will
have another opportunity to be a part of this
“naturally better living” neighbourhood! Located
just minutes from excellent schools, convenient
amenities, vibrant nightlife and the majestic
Falls, Fernwood is perfect for buyers looking for
stunning singles, on spacious lots in the location
of their dreams.
The Grand Opening will take place Saturday,
Feb. 27 and Sunday, Feb. 28 from noon to
5 p.m. Visitors will have an opportunity to
explore Fernwood Estates and see exactly what
has drawn so many to this master-planned
community, plus tour the fabulous new model
Your dream home awaits at Fernwood Estates, Niagara Visit the Designer Showhome Grand Opening this weekend at Phase 3!
30 YPNEXTHOME.CA
of sight. On the second level, a
serene master retreat features his
and hers walk-in closets and a
luxurious ensuite, complete with
double sinks and an opulent
freestanding soaker tub.
There are 40-, 45- and 50-ft. lots
currently being off ered at Fernwood
Estates and a variety of innovative
two-storey and bungalow plans. With
dozens of designs, the community
is ideal for fi rst-time buyers, young
professionals, empty-nesters and
growing families.
As Niagara Region’s largest new
home builder, Mountainview Homes
off ers buyers more than 35 years of
experience developing distinctive
communities and exceptionally built
homes. Mountainview Homes has
strong roots in the Niagara Region
and takes great pride in providing
homeowners with the best customer
experience, quality construction
and design.
For directions to Fernwood Estates’
newest showhome or to learn
more, visit mountainview.com or
call 905.323.6232.
LocationNiagara Falls
BuilderMountainview Homes
DevelopmentFernwood
Home Type40-, 45- and 50-ft. lots and a variety of two-storey and bungalow plans
Sales Centre5668 Osprey Ave., open Monday noon to 5 p.m., Wednesday noon to 7 p.m., Thursday 1 to 5 p.m., Saturday and Sunday noon to 5 p.m.; Tuesday and Friday by appointment
Contactmountainview.com905.323.6232.
MORE PHOTOS ONLINEypnexthome.ca/mountainview-fernwood
home and take advantage of an
exclusive, limited time off er. All grand
opening weekend buyers will receive
$5,000 Design Dollars, which can
be used any way imaginable
at Mountainview Homes’ award-
winning 3,000-sq.-ft. Design House.
The Iris model is a part of the
ingenious Goddess Collection,
boasting features brought to life
by a focus group of women who
considered everything the modern
family looks for in a home. The Iris
off ers 2,748 sq. ft. of inspired living
space, with an open concept layout
ideal for entertaining and family fun,
three bedrooms with a spacious loft
area, 2.5 bathrooms and second
fl oor laundry. The kitchen is every
homeowner’s dream, with plenty of
workspace, an island with breakfast
bar, patio access and eat-in area
adjacent to a light-fi lled family room.
The showhome also features
Mountainview’s signature “stop
and drop” mudroom. This family
organization centre off ers a
designated home for muddy boots,
coats, backpacks, sporting equipment
and more, keeping the clutter out
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 31
“ Low inventory in the resale market and increased new home sales over the past couple of years led to stronger starts of both low- and highrise units.”
Trending
Housing starts in Ontario humming alongWHILE PARTS OF CANADA deal with
challenging local economies and
real estate markets, housing starts –
an important indicator of economic
health – continues to hum along
in Ontario.
Housing starts in the Ontario
region were trending at 75,325 units
in January, up from 73,786 units in
December, according to data from
Canada Mortgage and Housing Corp.
(CMHC).
“The Ontario residential
construction trend continued to
move higher,” says Ted Tsiakopoulos,
CMHC’s Ontario regional economist.
“All housing types posted increases
in the latest month.”
The Ontario starts trend has been
running above levels supported by
household formation rates through
the second half of 2015. This points
to a moderation in activity from
recent levels.
ypnexthome.ca/news
MORE TRENDING ONLINE
“Modest job growth, lower levels
of in-migration in recent years and
a declining backlog of condominium
sales awaiting construction should
result in lower levels of starts as
we move through 2016,” says
Tsiakopoulos.
In Toronto, Canada’s largest market,
housing starts also trended higher in
January – 45,114 units, compared to
44,834 in December 2015.
“Last year’s momentum continued
throughout January,” says Dana
Senagama, CMHC principal market
analyst for the GTA. “Low inventory in
the resale market and increased new
home sales over the past couple of
years led to stronger starts of both
low- and highrise units.”
The standalone monthly seasonally
adjusted annual rate of housing
starts was 25,329 units in January,
up from 24,732 units in December.
The increase was the result of greater
apartment starts, CMHC says.
Construction of 725 new condo
apartment units within the city
of Toronto meant it recorded the
highest number of starts within the
GTA. Brampton recorded the next
highest, comprising mostly single-
detached and townhouse units. This
was followed by Milton, where condo
apartment construction was robust.
32 YPNEXTHOME.CA
A LIMITED COLLECTION OF LUXURY CUSTOM INSPIRED HOMES ON SPACIOUS 50’, 55’, 60’& 66’ LOT DESIGNS.
Carriage Gate’s fi nest collection of spacious single family homes, perhaps their
most prestigious yet. An intimate enclave of homes in Ancaster’s best and most
desirable location, just off Lime Kiln Road, these estate-inspired residences are
distinguished in both their architecture and interior design, with each appointed
with a long retinue of luxury features.
$900’SLuxuriously
appointed from the
ANC ASTER
CARRIAGEGATEHOMES.COMSales Offi ce Hours:Mon. - Thurs.; 3pm - 7pm,
Friday by appointment, Sat. & Sun.; 12pm - 5pm.Paul Ciardullo; Broker, Effort Trust. 905-975-9191 • [email protected] and specifi cations are subject to change without notice. E. & O.E. Renderings are artist’s concept.
Private W� ded LotsStart your own family legacy in
ANCASTER
CARR-LEG-A-AD-NHCsw-FEB9-2.indd 1 2/9/16 4:23 PM
“ Low inventory in the resale market and increased new home sales over the past couple of years led to stronger starts of both low- and highrise units.”
Trending
Housing starts in Ontario humming alongWHILE PARTS OF CANADA deal with
challenging local economies and
real estate markets, housing starts –
an important indicator of economic
health – continues to hum along
in Ontario.
Housing starts in the Ontario
region were trending at 75,325 units
in January, up from 73,786 units in
December, according to data from
Canada Mortgage and Housing Corp.
(CMHC).
“The Ontario residential
construction trend continued to
move higher,” says Ted Tsiakopoulos,
CMHC’s Ontario regional economist.
“All housing types posted increases
in the latest month.”
The Ontario starts trend has been
running above levels supported by
household formation rates through
the second half of 2015. This points
to a moderation in activity from
recent levels.
ypnexthome.ca/news
MORE TRENDING ONLINE
“Modest job growth, lower levels
of in-migration in recent years and
a declining backlog of condominium
sales awaiting construction should
result in lower levels of starts as
we move through 2016,” says
Tsiakopoulos.
In Toronto, Canada’s largest market,
housing starts also trended higher in
January – 45,114 units, compared to
44,834 in December 2015.
“Last year’s momentum continued
throughout January,” says Dana
Senagama, CMHC principal market
analyst for the GTA. “Low inventory in
the resale market and increased new
home sales over the past couple of
years led to stronger starts of both
low- and highrise units.”
The standalone monthly seasonally
adjusted annual rate of housing
starts was 25,329 units in January,
up from 24,732 units in December.
The increase was the result of greater
apartment starts, CMHC says.
Construction of 725 new condo
apartment units within the city
of Toronto meant it recorded the
highest number of starts within the
GTA. Brampton recorded the next
highest, comprising mostly single-
detached and townhouse units. This
was followed by Milton, where condo
apartment construction was robust.
IN THE RECENT 2016 Cross Border
Builder Challenge held by RESNET
(Residential Energy Services Network)
in conjunction with Canadian
counterpart CRESNET, Rosehaven
Homes was presented the Canadian
President’s Award for the most homes
rated HERS 53 or lower.
In deciding the award, Rosehaven
was deemed to have built 187 homes
in Ontario with HERS rating of 53 or
under. A number of state of the art
energy e� cient features are o� ered
by the respected builder.
Trending
“With this esteemed award, Rosehaven Homes is
a winner – and Rosehaven homebuyers are too.
That’s because energy e� ciency in new home building
benefi ts every one of us, and our home planet too,”
says Heather Weeks, marketing manager at
Rosehaven Homes.
The HERS Index is a measurement of a home’s
energy e� ciency and the lower score indicates superior
energy e� ciency achieved for the residence
or commercial building.
The RESNET and CRESNET Cross Border Challenge is
a friendly competition between American and Canadian
builders for seven awards available to be won for energy
e� cient home building.
Rosehaven wins RESNET Cross Border Builder ChallengeBuilder wins the Canadian President’s Award for Energy E� ciency
MORE TRENDING ONLINEypnexthome.ca/news
34 YPNEXTHOME.CA
For directions, hours & community info. call our hotline (1-888/416) 410-0175
Visit RosehavenHomes.comPrices and specifications correct at press time.
Prices quoted are in thousands except for Kleinburg & Randall pricing. E. & O.E.
Ordinary is for others. Separate yourself from the common,
the oh-so-typical, the middle-of-the-road, the good-enough,
the run-of-the-mill. Seek haven from anything less than the
exceptional. This is where life is a step above. This is Rosehaven.
SEEK HAVEN FROM THE AVERAGE
COMMUNITIES
OAKVILLEWOODLAND TRAILSSpacious and Innovative!2 & 3 Storey Freehold Towns Starting from the mid $600’sDON’T WAIT - ONLY A FEW REMAIN
COMING 2016
ALDERSHOT IN BURLINGTON AFFINITY CONDOMINIUMSTwo Contemporary six-storey BuildingsSurrounded by an Established Tree-lined Neighbourhood! COMING THIS SPRINGRegister at AffinityCondo.com
STONEY CREEKON THE RIDGEMagnificent Setting on the Niagara Escarpment!New Release of Freehold TownsCOMING FALL 2016Register at LiveonTheRidge.ca
ANCASTER TIFFANY HILLCountry-Chic Lifestyle!Singles and Freehold Towns Phase 2 Coming This FallREGISTERING NOWRegister at TiffanyHill.ca
PLATINUM COLLECTION
OAKVILLERANDALL RESIDENCESOnly 10 Suites Remain!Including 3 penthouse suites, 2 with private terracesFrom 1,800 sq.ft. to over 2,900 sq.ft. Starting from $2.0 millionCONSTRUCTION WELL UNDERWAY
RosehavenPlatinum.com
FEBRUARY 1921, 2016New Ancaster Fairgrounds, 630 Trinity Rd at Hwy 2
35th A N N U A L
Come E
njoy...
36 YPNEXTHOME.CA
HAMILTON
PETERS CORNERS
TORONTO
GUELPH
DUNDASGREENSVILLE
HWY 5
HWY 6HWY 8
HWY 403
BROC
K RD
.
N
38 YPNEXTHOME.CA
COMING SOON3-Storey Townhomes
REGISTER NOW! AdiDevelopments.comExclusive Listing: Baker Real Estate Incorporated, Brokerage.
Illustration is artist’s concept. Prices and specifications to change without notice. E. & O.E.
If a modern vibe is what propels you, then this is your station. Go and arrive in style from StationWest, where smart, open concept 2 and 3 bedroom townhomes – many with private rooftop terraces – ranging from 1,200 to 2,100 sq.ft. make up this uber-connected, masterplanned community.
Register Now for opportunity to preview.
Join us on
$300’sfromthe high
Burlington at Aldershot GO Station
You’ve arrived.
StationWest_CG_SWO_jan30.indd 1 2016-02-11 2:02 PM
THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOMEFALL ISSUE NOW AVAILABLE
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41
City Focus | HAMILTON
HAMILTON MAY BE ONLY less than an
hour’s drive west along the Queen
Elizabeth Way, but it long lived in the
shadows of its neighbour Toronto.
Until recently.
Long known as Steeltown, The
Hammer and other less-than-
complementary monikers, Hamilton
has undergone a fundamental
transformation that has the city
poised for long-term prosperity.
For homebuyers considering
purchasing in the area, there are
good reasons to consider Hamilton.
The city has been cited as among
Canada’s most welcoming areas,
particularly for first-time buyers.
The Real Estate Investment Network,
for example, has named Hamilton
as the top real estate investment
town in all of Ontario through to
2018. Continuing diversification of
the city’s economy, coupled with
increased accessibility provided by the
transportation improvements, provides
a strong economic base, the group
says. In a few short years, Hamilton’s
economy will be unrecognizable
compared to past decades.
In recent years, Hamilton has seen
significant expansion in sectors such
as health care and post-secondary
education, offsetting a historical
reliance on steel manufacturing.
Indeed, Hamilton’s economy today
is much more diversified than the
Hammer of old.
For these and other reasons, the
Hamilton housing market has been
a darling in the eyes of homebuyers
and investors for years – and a bargain
compared to nearby Toronto – where
single-detached homes cost hundreds
of thousands of dollars more.
The limited supply of single-
detached homes in the GTA is
causing record price growth there,
encouraging some buyers to look
west to Hamilton.
Hamilton’s employment has been
trending higher since March 2015,
as strengthening employment and
income, combined with slower price
growth, should reduce any level of
housing overvaluation.
Housing starts are to stabilize
near 2,400 units in 2016 and 2017,
following a decline in 2015. Fewer
single-detached housing starts in
2017 will be offset by more multi-unit
starts. High mortgage carrying costs
will result in slightly lower demand for
single-detached housing in 2017, as
this type of dwelling is less affordable
compared to multi-unit housing.
“Relative to the GTA, Hamilton
is still considered a more affordable
housing market and will continue to
attract potential homebuyers from
the less affordable municipalities,”
says Abdul Kargbo, senior market
analyst for Hamilton and Brantford,
for Canada Mortgage and Housing
Corp.
Non-residential projects underway in
HAMILTONGrowing economy, strong housing market, bright future
42 YPNEXTHOME.CA
Neighbourhood Profile
WESTDALEWestdale counts both a wildlife sanctuary of the Royal Botanical Gardens and the world-renowned education and research facility of McMaster University and Medical Centre within its boundaries.
LifestyleConsidered one of the most walkable places in North America, credit is ultimately due to Westdale’s intentional design almost a century ago as Canada’s first master-planned community. Westdale remains the place many want to live, with tree-lined streets in distinctive, traffic-calming oval patterns.
VibeAt the commercial heart is Westdale Village, complete with an Art Deco movie theatre that has been a date-night magnet since the era of silent films. Students, profs, moms and tots, couples and teens are all regulars at Westdale Village coffee shops.
Meet the neighboursIf you’re looking for trendy and artsy, Westdale might not be for you. This is a community where young families moved in decades ago and today they are empty-nesters enjoying visits from grandchildren. Families still make up the majority of new residents, with schools, parks and sports fields to support the lifestyle.
In the areaBuying a house in Westdale isn’t the best bargain in the city, but there are some available. You might consider a former student-occupied home, which can be more affordable, but be prepared to renovate to return it to a single-family residence. Trendy boutiques can be pricey, but mainstream shops and restaurants are competitive and affordable.
Planes, trains & automobilesFor those who need to get to and from Westdale, The Hamilton Street Railway offers the Bee-Line east to west. GO train and bus service leaves from the downtown GO Station, with access to Burlington, Oakville, Mississauga and Toronto. Hwy. 403 offers immediate access to Hamilton Mountain, up the Niagara Escarpment and on to Ancaster and Brantford or east to Burlington.
The good, the bad & the restIndependent business is alive and well in Westdale Village. This vibrant, historic shopping district features more than 80 shops, services, cafes and restaurants on King Street West from Cline Street North to Sterling Street. Festivals take place through the year to draw even more into the local hotspots.
the region include major expansions
in the health care sector, and millions
of dollars spent on infrastructure
improvements. A new rapid transit
system is also being studied, which
is expected to further benefit already
improving inter-city travel.
The city is working with Metrolinx,
the provincial body responsible for
expanding transit in the GTA and
Hamilton area, and is awaiting a final
recommendation for the project.
Beyond industrial expansions,
Hamilton is also seeing a marked
increase in other types of businesses
moving into the downtown area.
Much of the employment growth,
in fact, is taking place in creative
services, education, professional-
scientific and health care.
CMHC says job prospects are
expected to continue to improve,
and Hamilton will likely fare better
than other Ontario markets due to its
increasingly diverse base of industries,
which keep the labour market more
balanced.
Thanks to billions of dollars
in infrastructure improvements
around and within the city, as well
as expanded GO Train services, the
“new” Hamilton is becoming more
accessible as well as desirable.
Buyers can acquire more affordable
property here and commute to
Toronto, or other neighbouring
communities such as Burlington,
Oakville or Mississauga. An emerging
condominium market provides buyers
with an even more affordable entry
into Hamilton.
Developers see this potential and a
number of new projects are underway
from all of Losani Homes, Sonoma
Homes, Empire Communities,
Multi-Area Developments, New
Horizon Homes, Spallacci Homes and
Country Green Homes, with many
aimed at first-time buyers and priced
accordingly.
Hamilton also has plenty going
for it in terms of culture and
entertainment. It is home to the Royal
Botanical Gardens, a major tourist
attraction and significant local and
regional horticultural, education,
conservation and scientific resource.
The city is also home to the Art
Gallery of Hamilton, Ontario’s third
largest public gallery.
For sports enthusiasts, there’s the
Hamilton Tiger Cats of the Canadian
Football League, and the Hamilton
Bulldogs of the American Hockey
League and play out of Copps
Coliseum. Copps, located downtown,
which also serves as a venue for
concerts and other events.
If living in the city is not exactly
your favour, development is also
leading to growth in adjacent
areas such as Ancaster, Dundas,
Flamborough, Glanbrook and
Stoney Creek. Empire Communities,
Homes by DeSantis, Losani Homes,
Branthaven Homes, Mattamy Homes,
Rosehaven Homes and other builders
all have communities under way in
these towns.
SIDE BAR NEEDS TO BE TRIM TO FIT
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 43
New beginnings in a newly built home – ESPECIALLY IN THE MASTER CLOSET!
Inspiration | DESIGN SECRETS
MOVING INTO a new space gives the
homeowner the perfect opportunity
to start over with a blank slate in
terms of the master closet. Most
master closets are so cramped,
unorganized that the walls and
ceiling are barely visible with little
opportunity for storage. Moving
into an entirely new space provides
the chance to make organization
a priority.
The first step is to purge before moving into your new place
The obvious is to get rid of stuff!
Sort through things by taking
everything out first and then
determining when the last time
you or your significant other wore
specific clothing. If it has been a
year, out it goes. There are plenty
of places where items can go that
can help those less fortunate.
Consider Salvation Army, Local Food
Banks (they often take clothes) or
other charities such the Diabetes
Foundation. Local Women’s Shelters
are desperate for clothing for their
residents as well.
Create a uniform environment
Once items have been sorted,
it’s time to put your items in the
closet. Wooden hangers can be
purchased from places such as
Canadian Tire, Walmart or even
Home Depot. These hold clothes
better and are less likely to collapse
under the weight of heavier pieces.
If there is an abundance of old wire
hangers left over, take them to the
local dry cleaners, as they will use
them again. When hanging clothes,
it is easier to hang by type and by
colour. This may sound a little
too up tight, but it is a lifesaver
when in a hurry and living with little
clothing storage.
By Jane Lockhart, Principal Designer, Jane Lockhart Interior Design
Photography by John Heineman Photography, johnheinemanphotography.com
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44 YPNEXTHOME.CA
Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-
ranked show, Colour Confi dential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs.
Visit online at janelockhart.com
Shelving
Adding shelves at the highest area
of the closet, above the hanging
bar, can be a good way to fi nd extra
space. Often there is a large gap
from the hanging rod to the ceiling.
This space can likely hold more
than one row of items. Work with
your builder or hire a handyman
to install extra shelving in your
closet. The extra space will allow
for another area to tuck away items
used rarely. This will also keep the
bottom of the closet clear, allowing
space for more frequently used
items to be accessed.
Door change
If you have sliding doors to your
closet and you have the room to
change them to swing doors, this
can make access to the closet much
easier. Again, work with the builder
prior to completion or hire someone
to install them for you. With regular
swing doors you can see into all
parts of your closet at one time,
which can make getting stuff out
much less taxing. In addition, the
inside of a regular swing door is a
great place to hang a full-length
mirror or hooks for belts.
Storage
Clear plastic bins are a great way
to organize items within the closet.
Using a series of them, stacked on
top of each will allow for practical
storage for a variety of diff erent items.
For instance, separate bins for belts,
purses, seasonal shoes, large jewelry
pieces and sporting clothes. All of
these are items used occasionally,
but not all the time. It’s a good way
to save space and to fi nd things
when needed. Again, these can be
purchased at places such as Ikea,
Walmart or Canadian Tire
Closet space is always a challenge
no matter how large or new your
space is. If you have the budget
and time, it may be worth working
with your builder or an organization
company to create a system to meet
your needs. It may seem like a lot of
money at fi rst, but the peace of mind
organization can bring is well worth
the investment.
See more at janelockhart.com
While some spaces in a home are typically allocated their own room — like a walk-in closet or an offi ce — there are ways to design a space so that it serves a dual purpose. Here are our top picks for how you can kill two birds with one… room.
Closet/guest bedroom
Ever dreamed of using an entire bedroom as a closet, but fi gured you’d need the space as a guest bedroom as well? Here’s how you can satisfy both needs: make your spare room into the walk-in closet you’ve always dreamed of having, but add a futon or even a murphy bed. Voila! You have yourself a walk-in closet that works as a guest bedroom part-time.
Offi ce/spare room
Ladders are one of the latest decor crazes — and they can serve multiple purposes. If you need some extra space for overnight guests, try adding a mattress overtop a room with a quaint ladder, and you have yourself a functional — and hip — loft bed.
See Sonia Bell’s full list of dual purpose room ideas online. Read the full story…
ypnexthome.ca/dual-purpose
Multifunctional spaces: Rooms that serve a dual purpose
ONLINE
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 45
Property Profile | MATTAMY HOMES
SOME TIME AGO, MATTAMY
discovered the appeal of Cranberry
Hill. The company has responded
to the enthusiasm of homeowners
and recently returned to provide
an evolution of its family-friendly
offerings. Strategically connected
to all the region’s highways – Hwys.
403, 6, 407 and 401 – Waterdown is
an ideal focal point for all the Golden
Horseshoe has to offer. Near enough
bicycling trails complement the
neighbourhood. A small-town charm
is evident and manifested through
friendly features like generous front
porches that harken back to an era
when neighbours and passers-by
would wave and catch up on local
happenings. Mattamy’s specialized
architectural approach puts people
ahead of cars, as you’ll notice when
you traverse the people-friendly
Naturally beautiful Cranberry Hill invites you to call
Waterdown home to the city of Toronto, Waterdown still
offers the unspoiled charms natural
living. And it’s also mere minutes from
Burlington or Oakville.
Mattamy is well known for
creating wonderfully master-planned
communities, and Cranberry Hill
is no exception. Inspired by, and
respecting the local landscape,
features like greenspaces, parks,
playgrounds, plus walking and
46 YPNEXTHOME.CA
boulevards. You’ll probably also
become aware of the gentle curves
in the streets, designed specifi cally to
reduce the speed of traffi c. As well,
the comprehensive network of paths
gives residents real options to driving.
The streetscapes in Mattamy
communities are also universally
recognized as fresh and visually
stimulating. That’s a design
consideration that encourages a
homeowner to personalize the
selection of two-storey towns and
rear lane towns. The ingenious rear
lane towns are gathering considerable
attention in that they off er home
studios, double-car garages, and even
private terraces. Many of the two-
storey towns back onto greenspace
and are extra deep lots. Also available
are a handsome variety of Mattamy’s
highly popular 30- and 36-ft.
detached homes.
A visit to the sales centre will reveal
many features for which Mattamy has
become well respected. In particular,
you may take note of the oversized
windows Mattamy’s designers choose
to use. Not only do they allow a
generous quantity of natural light into
your home, they also allow you to
gaze out upon the benefi ts of living
naturally right here in the heart of
southern Ontario.
Mattamy was named BILD’s GTA
Builder of the Year, and most recently,
Waterloo-Wellington Builder of The
Year by the Waterloo Region Home
Builders’ Association.
The Cranberry Hill Sales Centre
is located at 485 Dundas St. E.,
Waterdown. Call 289.431.1026.
Presentation Centre hours are
Monday to Thursday 1 to 8 p.m.;
Friday 1 to 6 p.m.; Saturday, Sunday
and holidays 11 a.m. to 6 p.m.
For more information on all
Mattamy communities, visit
mattamyhomes.com
LocationWaterdown
BuilderMattamy Homes
DevelopmentCranberry Hill
Home TypeTwo-storey and rear lane townhomes, 30- and 36-ft. detached homes
Sales Centre485 Dundas St. E., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., Saturday, Sunday and holidays 11 a.m. to 6 p.m.
Contactmattamyhomes.com 289.431.1026
home, both in decor and even, with
the unique ability to choose from
Architect’s Choice Options, to alter
plans so that personal preferences in
living style can be accommodated.
Though you may choose to live
just outside the city, these choices
available here ensure you needn’t
sacrifi ce any of the creature comforts
a modern home can provide.
In Cranberry Hill, you will discover
an inspiring mix of townhomes in a
MORE PHOTOS ONLINEypnexthome.ca/mattamy-cranberryhill
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 47
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CHINESE HOME & CONDO GUIDE
二月六日至三月十二日 / FEB 6 - MAR 12, 2016
VOLUME 5, ISSUE 1, 免費贈閱CHINESEHOMEGUIDE.COM
大多倫多版 / GREATER TORONTO AREA EDITION
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本期內容 迎接猴年慶祝活動如何提高屋價
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Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable newresource to help inform and guide them through the newest communitiesin the Greater Toronto Area.
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ypnexthome.ca
Advice | FUNDAMENTALLY SPEAKING
MERIDIAN, ONTARIO’S LARGEST credit
union, is o� ering Ontarians the lowest
posted fi xed mortgage rate on the
market today at 1.69 per cent for a
one-year term.
“Meridian is going against the
trend set by banks and lenders of
raising their fixed mortgage rates,”
says Bill Whyte, chief member
services officer for Meridian.
“As a member-owned financial
institution, we are able to take
advantage of the current bond and
lending environment and pass those
savings onto our members.”
Meridian mortgage specialists
work closely with members to
help ensure they are well informed
about the fi nancial facets of
home ownership, including home
a� ordability guidelines and smart
borrowing practices.
“In addition to this attractive one-
year fi xed mortgage o� ering, Meridian
o� ers a full suite of mortgage options
including fi xed, variable, mortgages
for business owners and construction
mortgage solutions,” adds Whyte. “As
we are quickly approaching the busy
spring home buying season, this is the
perfect time for people to evaluate
their home buying options by getting
a pre-approval now.”
Meridian also provides what it says
is one of the best repayment options
on the market today. Meridian’s
20/20 repayment program allows
members to pay down up to 20 per
cent of the original principal balance
One-year fi xed mortgage at 1.69 per cent hits market
By Wayne Karl
MORE ADVICE ONLINEypnexthome.ca/news/advice
per year without penalty and can be
done at any time of the year without
notice. Members can also increase
their monthly payment up to 20 per
cent of your original payment plan
each year.
And as usual with such enticing
o� ers, there is some fi ne print: “Rate
is subject to change without notice
and o� ers may be withdrawn or
extended without notice. Refer to
our website for current residential
mortgage posted rates. Mortgage
must fund by April 30, 2016.”
Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics you need to examine when buying property. He can be reached at [email protected] or follow him on Twitter at Twitter.com/WayneKarl.
1.69%
50 YPNEXTHOME.CA
Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years
Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.
R.O.R. = RATES ON REQUEST op = OPEN ----- = NOT QUOTING N/A = NOT AVAILABLE
February 1, 2016. Prepared By http://www.FiscalAgents.com/mortgage/rates
OTHER FINANCIAL INSTITUTIONS
TRUST COMPANIES
ATB Financial 2.6 4 2.94 2.64 2.69 2.74 2.99 4.00op 4.00op 4.00op Alterna Svgs/Alterna Bk 2.7 4 2.85 2.79 2.59 2.84 2.88 6.30op 6.30op Bank of Montreal 2.7 4 2.89 2.99 3.39 3.89 2.89 6.75op 6.75op Bank of Nova Scotia 2.7 4.55 3.29 3.09 3.39 3.89 4.49 6.45op 6.50op Canadian Western Bank 4 3.14 3.04 3.65 4.2 4.74 6.45op 6.30op CFF Bank 2.69 2.24 2.39 2.59 2.74CIBC 2.7 2.84 2.79 2.59 2.79 4.79 6.95op 6.35op ICICI Bank Canada 2.75 3.15 3.65 3.64 3.69 3.69Manulife Bank 2.4 4.45 3 2.94 2.84 2.79 2.89 3.20op National Bank n/a 4.4 3.14 3.04 3.39 2.79 2.99 6.70op 6.70op President’s Choice Finan 2.7 2.79 3.34 3.99 4.44Royal Bank 2.6 3.14 2.39 2.64 2.79 2.99 6.75op 6.75op TD Canada Trust 2.6 2.99 2.29 3.39 2.74 2.94 6.30op Tangerine 2.7 3.19 3.24 3.49 3.69 3.79
Community Trust n/a 6.5 3.14 3.25 3.95 4.39 4.64Concentra Financial n/a 5 2.89 2.59 3.39 3.89 4.64 6.70op 6.30op Effort Trust n/a 4.45 3.35 3.5 3.7 4.3 4.35 6.30op 6.30op Home Trust Company 2.35 3.95 2.69 2.24 2.39 2.59 2.74Investors Group Trust n/a 4.2 3.14 3.09 3.39 3.89 2.84 6.50op 6.30op MTCC 2.7 4.55 3.29 3.09 3.39 3.89 4.49 6.45op 6.50op
Comtech Credit Union 2.45 6.2 2.84 2.89 2.95 2.99 2.89 6.40op 6.30op First National Fin. LP 3.1 2.29 2.24 2.49 2.64 2.79IC Savings 2.7 4.25 2.89 2.79 2.89 2.95 2.89 6.50op 6.50op London Life n/a 4.2 3.14 3.09 3.39 3.89 4.74 6.50op 6.30op Luminus Financial 3.25 3.25 3.2 3.65 4 4.5 6.25op Meridian Credit Union 2.4 4 1.69 3.09 3.55 4.19 2.59 6.30op Parama Credit Union 2.65 2.8 2.85 2.95 3.05 3.15 2.95op Steinbach Credit Union 2.25 2.45 2.55 2.55 2.65 2.65
ONLINE CALCULATORypnexthome.ca/mortgage-calculator
Homebuyers’ Help
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 51
Ad Index
ADVERTISERS
Adi Development Group - Nautique 24
Adi Development Group - Station West 39
Bayview Wellington - Victoria Village 4
Bayview Wellington - Passages on the Canal 5
Branthaven Homes - Freedom 28 & 29
Carriage Gate Homes - Legacy in Ancaster 33
Coletara Developments - Liberty Square 18
Countrygreen Homes - Westwood Mews 7
Empire Communities - Wyndfield 2 & 3
Homes by DeSantis - AquaBlu 11
Losani Homes - The Woodlands Ancaster 6
Mattamy Homes - The Preserve 54 & 55
Menkes Developments - Enclaves of Upper Canada 25
Mountainview Homes - Fernwood 9
Phelps Homes - Multi-Site 27
Reid’s Heritage Homes - Westminster Highlands BC
Rosehaven Homes - Multi-Site 35
Thomas Cochren Homes - The Greystones 37
Tillsonburg Developments - Baldwin Place 19
52 YPNEXTHOME.CA
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Quiz: Your Chinese zodiac sign based on your home style
READ THE STORY ONLINEypnexthome.ca/quiz-chinese
FEB 27 - MAR 12, 2016 | NEW HOME & CONDO GUIDE SWO 53
Our Most Spacious Condo Townhomes Offer You The Luxury Of A Worry Free Lifestyle With Our Low Maintenance Fees.
EXPERIENCE UNPARALLELED LUXURY IN MATTAMY’S MOST PRESTIGIOUS CONDO TOWNHOMES
O A K V I L L E
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SPACIOUS, EXECUTIVE CONDO TOWNHOME DESIGNS BOUTIQUE CONDO RESIDENCE
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 pm
DETACHED MODEL HOME HOURS: Monday - Thursday 1 pm-7:30 pm; Friday 1 pm-5:30 pm; Saturday, Sunday and Holidays 11 am-5:30 pm
FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM
MODERN, BOUTIQUE CONDOMINIUM & TOWNHOME LIVING IS NOW OPEN IN OAKVILLE’S MOST ALLURING ADDRESS
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DISCOVERY THELUXURY OF CHOICEIN THE PRESERVE IN OAKVILLE
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MATOTTAWA - Preserve Munns & RCC TCC - SW New Homes & Condos - Magazine Due: 24/02/2016
File Name: MATHAMILTONHAL-Munns_RCCTCC_SWNHnC_DPS_Mag Publication: SW New Homes & Condos
Trim: 7.5” x 10.5” Safety/V.O.: .25” DPI: 300
Bleed: 0.125” Colours: CMYK Built: 23/02/2016 - JND
MATHAMILTONHAL-Munns_RCCTCC_SWNHnC_DPS_Mag.indd All Pages 2016-02-24 12:13 PM
Our Most Spacious Condo Townhomes Offer You The Luxury Of A Worry Free Lifestyle With Our Low Maintenance Fees.
EXPERIENCE UNPARALLELED LUXURY IN MATTAMY’S MOST PRESTIGIOUS CONDO TOWNHOMES
O A K V I L L E
PRESERVETHE
SPACIOUS, EXECUTIVE CONDO TOWNHOME DESIGNS BOUTIQUE CONDO RESIDENCE
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 pm
DETACHED MODEL HOME HOURS: Monday - Thursday 1 pm-7:30 pm; Friday 1 pm-5:30 pm; Saturday, Sunday and Holidays 11 am-5:30 pm
FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM
MODERN, BOUTIQUE CONDOMINIUM & TOWNHOME LIVING IS NOW OPEN IN OAKVILLE’S MOST ALLURING ADDRESS
OUTSTANDING LOCATION, WELL-APPOINTED, THOUGHTFUL MATTAMY DESIGN
DISCOVERY THELUXURY OF CHOICEIN THE PRESERVE IN OAKVILLE
FOLLOW US:
| Classically styled homes offering Double-Car Garages
| Abundant space from 2,536 Sq.Ft. to 3,057 Sq.Ft.
| Some homes offer Courtyards, some located on naturalized Channel Lots, some on over-sized lots
| Main & Second Floor 9' Ceilings
| Some plans with Main Floor Master Bedroom
Boutique Condo ResidenceFrom $405,990
Channel & Rear Lane Towns + 2-Storey TownsFrom $559,990
Executive Condo TownhomesFrom $821,990
MATOTTAWA - Preserve Munns & RCC TCC - SW New Homes & Condos - Magazine Due: 24/02/2016
File Name: MATHAMILTONHAL-Munns_RCCTCC_SWNHnC_DPS_Mag Publication: SW New Homes & Condos
Trim: 7.5” x 10.5” Safety/V.O.: .25” DPI: 300
Bleed: 0.125” Colours: CMYK Built: 23/02/2016 - JND
MATHAMILTONHAL-Munns_RCCTCC_SWNHnC_DPS_Mag.indd All Pages 2016-02-24 12:13 PM
ReidsHeritageHomes.com @RHHQualityHomesPrices and specifications subject to change. See sales consultant for more details. E. & O.E. February 2016.
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89 Aberdeen Street, Fergus, ON
519.787.1847 / 226.820.6975
SALES CENTRE HOURS
Mon, Thurs & Fri 1 - 6 pm
Sat & Sun 12- 5 pm
NEW RELEASE
WOODGLEN
2 Bed, 2.5 Bath1648 Sq. Ft.
2 Bed, 2.5 Bath1648 Sq. Ft.
2 & 3 Bed, 2.5 Bath1779 Sq. Ft.
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2-3 Bed, 2.5 Bath. 1648-1779 Sq.Ft.
• Energy Star Qualified Home • Two Car Garage
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16-0135 WMH NewHomeAndCondo_BackCover_Feb27.pdf 1 2016-02-23 11:01 AM
