Calgary Home Guide - 04 Sep., 2015

Sep 4 - Oct 2, 2015 Volume 15 Issue 09

Your Best Source for Homes & CondosCalgary Edition

Ray Riley ROYAL LePAGE Foothills403.270.7601 | [email protected] | www.rayriley.comFor more information on this property, please go to page 26-27

Builder's Dream

Ray Riley

in Windsor Park

INSIDE THIS ISSUE

REAL ESTATE SALES STABLE IN JULY

CLOSING UP THE SUMMER HOME FOR THE SEASON

GET ORGANIZED FOR THE FALL

Highland Park $729,000


1940 SQ FT, fully � nished basement, all the bells and whistles, with vaulted ceilings, ready for immediate possession. MLS#C4023356

Located close to all amenities this 1927 sq ft home has 3+1 bedrooms, 3.5 baths which includes the 6pc ensuite. Air conditioning. Basement is completely developed and includes a wet bar and a huge entertainment centre. Vaulted ceilings upstairs along with an open concept � oor plan. Walk to shops, restaurants and coffee bars; over the river to downtown or up the hill to SAIT and the Jubilee Auditorium. MLS #C4021446

REAL ESTATE [email protected]

Coventry Hills $430,000

Erin Woods $229,000LOWEST PRICED SINGLE FAMILY HOME!! Yes it is a modular home and yes it is located in a mobile home park BUT THERE ARE NO PAD FEES! You own the land that the home is located on and it is the best location in the com-plex. This 1150 sq ft mobile home has 2 bedrooms and 2 baths. Can easily be converted back into a 3 bedroom. MLSC4027083

Rosedale $734,000MLS C4010608 This is a wonderful opportunity for the investor or the developer. This home is located on a 50’ lot in the wonderful com-munity of Rosedale and comes with blue prints for the new home that could be built. Which really would allow you to make this your per-sonal design home. The current home is 2+1 bedrooms, 2 baths. The large backyard is west facing and includes a double detached ga-rage. There is also a single attached garage that could be used as a shop or crafts room.

David Crick

Lyalta Acreage $639,000

1500 sq ft. fully � nished bi-level with walkout, 6 bedrooms, 3 full baths n brand new condition. Triple detached garage, on 3 acres, 4 gallon well. MLS C3650929





Lomond $75,000

Thats right, only 75000 for this 900 sq ft home just a half hour east of Vulcan. If you like � shing, there a 3 great � shing locations with in minutes of this location. Comes with a 75x120 foot lot and a single garage. This the perfect get away for a cottage or cash in your city home and get an inexpensive retirement home. There is a K to grade 12 school close by and all the businesses to provide you daily requirements. MLS# C4007508

[email protected]

Coventry Hills $430,000 Mount Pleasant $379,900MLS C4012463 Wonder-ful new condo. This 2 bedroom unit has 2 full baths. Laminate � oors through out. The kitchen has quartz countertops and high gloss cabinets and walk-in pantry. Every unit has it’s own laundry. This is a top � oor unit that is facing south so it has a wonderful view of downtown. Located close to all amenities and within walking distance to SAIT. Frigidaire appli-ances will be installed. New Home Warranty is with National Call Amar 403 542 9914 for more information.


MLSC4024400 Located in the community of Covington this 2 storey 3 bedroom home is an excellent family home. Within walking distance to Covemead-ow park. The main � oor is an open � oor concept giving a very spacious feeling and plenty of natural lighting. The kitchen has an island with double sinks and a pantry. The sliding glass doors lead out onto the deck and back-yard so you can keep an eye on the children in the backyard. The family room has a wonderful corner gas � replace. Perfect for those colder nights. Note that the laundry is located on the main � oor. The master bedroom has a 4 pc ensuite and walk-in closet. The basement is a walkout and awaits your personal touches.






REAL ESTATE [email protected]

Coventry Hills $430,000



David Crick

Lyalta Acreage $639,000

1500 sq ft. fully � nished bi-level with walkout, 6 bedrooms, 3 full baths n brand new condition. Triple detached garage, on 3 acres, 4 gallon well. MLS C3650929





Lomond $75,000

Thats right, only 75000 for this 900 sq ft home just a half hour east of Vulcan. If you like � shing, there a 3 great � shing locations with in minutes of this location. Comes with a 75x120 foot lot and a single garage. This the perfect get away for a cottage or cash in your city home and get an inexpensive retirement home. There is a K to grade 12 school close by and all the businesses to provide you daily requirements. MLS# C4007508

[email protected]

Coventry Hills $430,000 Mount Pleasant $379,900MLS C4012463 Wonder-ful new condo. This 2 bedroom unit has 2 full baths. Laminate � oors through out. The kitchen has quartz countertops and high gloss cabinets and walk-in pantry. Every unit has it’s own laundry. This is a top � oor unit that is facing south so it has a wonderful view of downtown. Located close to all amenities and within walking distance to SAIT. Frigidaire appli-ances will be installed. New Home Warranty is with National Call Amar 403 542 9914 for more information.


MLSC4024400 Located in the community of Covington this 2 storey 3 bedroom home is an excellent family home. Within walking distance to Covemead-ow park. The main � oor is an open � oor concept giving a very spacious feeling and plenty of natural lighting. The kitchen has an island with double sinks and a pantry. The sliding glass doors lead out onto the deck and back-yard so you can keep an eye on the children in the backyard. The family room has a wonderful corner gas � replace. Perfect for those colder nights. Note that the laundry is located on the main � oor. The master bedroom has a 4 pc ensuite and walk-in closet. The basement is a walkout and awaits your personal touches.


R A Y R I L E Y . c o mTELEPHONE: 403.270.7601E-MAIL: [email protected]

PROFESSIONALISM SERVICE RESULTS

Custom-built 2 storey • 4 bedrooms, 5 1/2 bathsMore then 5,000 sq ft • living space,Estate-sized lot - 175 Ft• 3 fi replaces• Oversized triple car garage • 1250 Sq.FtIn slab heating including • drivewayLow maintains brick and • sandstone exterior

MOUNT ROYAL $3,900,000

visit RAYRILEY.com

LAKE HOMES FOR SALE IN CALGARY

RIDGE HOMES WITH SPECTACULAR VIEWS IN CALGARY

LUXURIOUS HOME FOR SALE IN CALGARY

L A K E H O M E S R I D G E H O M E S L U X U R Y H O M E S

(403) 510-9530 • #205, 525 28th Street SE • [email protected]

CHESTERMERE • $1,095,000

120 SUNLAKE GARDENS SE • $395,000 16 SUNMEADOWS ROAD SE • $549,900

Beautiful 3000 sq. ft. 4 Bedroom Lake House, In fl oor heating in dining area and basement as well as in the over sized 2 car garage. Swim, fi sh boat or just enjoy the sun. Move in Ready Home for Raising a Family and Entertaining with Friends.

2030 Sq. ft. 2 car garage. 4 bedroom unit with two full masters with ensuite. Great for a growing family, or older family wanting the Turnkey Lifestyle. These units sell fast.

A GARDENERS DREAM. A 2500 sq. ft. 4 bedroom, 2 Car Garage. Gem on a quiet street. Beautiful gardens

and sitting area with Electric Top Hot Tub.

JAMIE MACOUNJAMIEJAMIEJAMIE MACOUNDefending your interests

R A Y R I L E Y . c o mTELEPHONE: 403.270.7601E-MAIL: [email protected]

PROFESSIONALISM SERVICE RESULTS

Custom-built 2 storey • 4 bedrooms, 5 1/2 bathsMore then 5,000 sq ft • living space,Estate-sized lot - 175 Ft• 3 fi replaces• Oversized triple car garage • 1250 Sq.FtIn slab heating including • drivewayLow maintains brick and • sandstone exterior

MOUNT ROYAL $3,900,000

visit RAYRILEY.com

LAKE HOMES FOR SALE IN CALGARY

RIDGE HOMES WITH SPECTACULAR VIEWS IN CALGARY

LUXURIOUS HOME FOR SALE IN CALGARY

L A K E H O M E S R I D G E H O M E S L U X U R Y H O M E S

(403) 510-9530 • #205, 525 28th Street SE • [email protected]

CHESTERMERE • $1,095,000

120 SUNLAKE GARDENS SE • $395,000 16 SUNMEADOWS ROAD SE • $549,900

Beautiful 3000 sq. ft. 4 Bedroom Lake House, In fl oor heating in dining area and basement as well as in the over sized 2 car garage. Swim, fi sh boat or just enjoy the sun. Move in Ready Home for Raising a Family and Entertaining with Friends.

2030 Sq. ft. 2 car garage. 4 bedroom unit with two full masters with ensuite. Great for a growing family, or older family wanting the Turnkey Lifestyle. These units sell fast.

A GARDENERS DREAM. A 2500 sq. ft. 4 bedroom, 2 Car Garage. Gem on a quiet street. Beautiful gardens

and sitting area with Electric Top Hot Tub.

JAMIE MACOUNJAMIEJAMIEJAMIE MACOUNDefending your interests

6 • HomeGuide | Volume15 Issue09

3816 17 St SW$1,295,000

2642 Sq. Ft• 4 Bedrooms• 5 Bathrooms• Underground • Parking Stall Spectacular!•

104 2420 34 AV SW, $255,000

580 Sq. Ft.• 1 Bedrooms• 1 Bathroom• Double • Detached Garage. Low Condo • Fees!

JASON WILSON

[email protected]

ROSE-MARIE LAFOND

[email protected]

3200+ sqft above grade• triple car heated garage• 10 ft ceilings• upgraded DACOR appliances• steam shower• stunning mountain views • covered deck w/ fireplace• 1300+ walk-out w/ heated floors• wet bar, wine room, gym and more!!!• MLS C400442•

67 RIDGE VIEW PLACE, COCHRANE$1,250,000

SONIA MOLINA 403-630-8684

[email protected]@century21.ca

BAMBER REALTY LTD. I 1612 - 17th Avenue S.W. Calgary, AB T2T 0E3 I 403-245-0773

REALTOR ASSOCIATE

HELPING YOU GET YOUR REAL ESTATE GOALS AND DREAMSSMARTER, BOLDER, FASTERPLUS INTELLIGENT, PLUS AUDACIEUX, PLUS RAPIDEMAS INTELIGENTE, MAS AUDACIA, MAS RAPIDA

Selling your home?Earn 1,000 reward miles up front*

Get started!

Work with a century 21 offi ce and be rewarded*Terms & Conditions apply

ALLISON JAMES

[email protected]

5 MINUTE WALK TO THE C-TRAIN!

Located in the • highly desirable community of Tuscany.Great 2 bedroom, • 2 bath corner unitUnderground • parking stall included. MLS# C4020405•

40 EVERHOLLOW HEIGHTS

Bright and Beautiful • END UNIT!Hardwood and tile • flooringEspresso stained • kitchen cabinetsGreat location in • EvergreenGarage is fully • finished & heatedMLS#C4014349•

SOLDSOLDwww.century21bamber.ab.ca

Live remarkably in the desirable Copperwood ComplexProfessional upgraded 1442 SF unit 2+1 BDR. 2 Full Bath. Heated Flooring.Wrap around patio with spectacular ravine and city views. Walking to LRT. Shops, Shaganapi Golf, Schools.

LOVE GOLF? LOVE NATURE? LOVE TO UNWIND

it’s hard to believe that summer is almost over — where does the time go? The cooler days and nights of autumn make way for deep fall colours and the hustle and bustle of back to school, back to work and back to business. The change of

seasons is also a great time for personal change, like putting your home on the market. And there’s no time like the present, especially with good news from a Calgary Real Estate Board (CREB) July 2015 report (see Market Analysis by Heather Ryan on pg. 21). In spite of some negative predictions in January on the drop in oil prices and its effect on real estate, the Calgary market has remained stable.

According to CREB president Corinne Lyall, sales activity in July was almost a mirror image of May and June, with benchmark prices staying relatively the same. So what are you waiting for? But before you make that move, take a good look around your home and fix anything that may reflect negatively on a buyer. To help you gain perspective, professional stager Laura Le gives readers some important advice on how to detach emotionally from a home to prepare for its sale (See pg. 44). Yes your home is filled with many memories, but a successful sale means being able to take a step back and see it through the eyes of a buyer.

If selling your home has been sitting on the back burner all summer, take a cue from Mother Nature and take advantage of the new season upon us. Marlene EisnerEDITOR [email protected]

Follow me on Twitter at Twitter.com/LydiasTweets

getting a down payment together for your home purchase doesn’t have to be a major obstacle when you have the facts straight. Canada Mortgage and Housing Corp. has a comprehensive website, found

at cmhc-schl.gc.ca, which can help guide you. Not only will you find an extensive list of tips and mortgage insurance information in the online step-by-step resource guide, the site also outlines Government of Canada incentives that can help make your home-ownership dream a reality.

As an example, first-time buyers can still take advantage of the Home Buyers’ Plan to withdraw up to $25,000 from their Registered Retirement Savings Plan (RRSP), tax-free, to add to their down payment and for other purchase-related costs. A spouse or partner can also do this, giving you a total of up to $50,000 toward your new home. To avoid tax liability on the withdrawn funds, you will be required to repay the money to your RRSP account within 15 years.

If financial stability, pride of ownership, long-term investment and peace of mind sound attractive to you, check out what’s available in Calgary’s real estate market. Susan Legge EDITOR-IN-CHIEF Yellow Pages NextHome, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

THE LOWDOWNon down payments

editor’snote

A CHANGE OF SEASONS

is a good time for personal change

3816 17 St SW$1,295,000

2642 Sq. Ft• 4 Bedrooms• 5 Bathrooms• Underground • Parking Stall Spectacular!•

104 2420 34 AV SW, $255,000

580 Sq. Ft.• 1 Bedrooms• 1 Bathroom• Double • Detached Garage. Low Condo • Fees!

JASON WILSON

[email protected]

ROSE-MARIE LAFOND

[email protected]

3200+ sqft above grade• triple car heated garage• 10 ft ceilings• upgraded DACOR appliances• steam shower• stunning mountain views • covered deck w/ fireplace• 1300+ walk-out w/ heated floors• wet bar, wine room, gym and more!!!• MLS C400442•

67 RIDGE VIEW PLACE, COCHRANE$1,250,000

SONIA MOLINA 403-630-8684

[email protected]@century21.ca

BAMBER REALTY LTD. I 1612 - 17th Avenue S.W. Calgary, AB T2T 0E3 I 403-245-0773

REALTOR ASSOCIATE

HELPING YOU GET YOUR REAL ESTATE GOALS AND DREAMSSMARTER, BOLDER, FASTERPLUS INTELLIGENT, PLUS AUDACIEUX, PLUS RAPIDEMAS INTELIGENTE, MAS AUDACIA, MAS RAPIDA

Selling your home?Earn 1,000 reward miles up front*

Get started!

Work with a century 21 offi ce and be rewarded*Terms & Conditions apply

ALLISON JAMES

[email protected]

5 MINUTE WALK TO THE C-TRAIN!

Located in the • highly desirable community of Tuscany.Great 2 bedroom, • 2 bath corner unitUnderground • parking stall included. MLS# C4020405•

40 EVERHOLLOW HEIGHTS

Bright and Beautiful • END UNIT!Hardwood and tile • flooringEspresso stained • kitchen cabinetsGreat location in • EvergreenGarage is fully • finished & heatedMLS#C4014349•

SOLDSOLDwww.century21bamber.ab.ca

Live remarkably in the desirable Copperwood ComplexProfessional upgraded 1442 SF unit 2+1 BDR. 2 Full Bath. Heated Flooring.Wrap around patio with spectacular ravine and city views. Walking to LRT. Shops, Shaganapi Golf, Schools.

LOVE GOLF? LOVE NATURE? LOVE TO UNWIND

it’s hard to believe that summer is almost over — where does the time go? The cooler days and nights of autumn make way for deep fall colours and the hustle and bustle of back to school, back to work and back to business. The change of

seasons is also a great time for personal change, like putting your home on the market. And there’s no time like the present, especially with good news from a Calgary Real Estate Board (CREB) July 2015 report (see Market Analysis by Heather Ryan on pg. 21). In spite of some negative predictions in January on the drop in oil prices and its effect on real estate, the Calgary market has remained stable.

According to CREB president Corinne Lyall, sales activity in July was almost a mirror image of May and June, with benchmark prices staying relatively the same. So what are you waiting for? But before you make that move, take a good look around your home and fix anything that may reflect negatively on a buyer. To help you gain perspective, professional stager Laura Le gives readers some important advice on how to detach emotionally from a home to prepare for its sale (See pg. 44). Yes your home is filled with many memories, but a successful sale means being able to take a step back and see it through the eyes of a buyer.

If selling your home has been sitting on the back burner all summer, take a cue from Mother Nature and take advantage of the new season upon us. Marlene EisnerEDITOR [email protected]

Follow me on Twitter at Twitter.com/LydiasTweets

getting a down payment together for your home purchase doesn’t have to be a major obstacle when you have the facts straight. Canada Mortgage and Housing Corp. has a comprehensive website, found

at cmhc-schl.gc.ca, which can help guide you. Not only will you find an extensive list of tips and mortgage insurance information in the online step-by-step resource guide, the site also outlines Government of Canada incentives that can help make your home-ownership dream a reality.

As an example, first-time buyers can still take advantage of the Home Buyers’ Plan to withdraw up to $25,000 from their Registered Retirement Savings Plan (RRSP), tax-free, to add to their down payment and for other purchase-related costs. A spouse or partner can also do this, giving you a total of up to $50,000 toward your new home. To avoid tax liability on the withdrawn funds, you will be required to repay the money to your RRSP account within 15 years.

If financial stability, pride of ownership, long-term investment and peace of mind sound attractive to you, check out what’s available in Calgary’s real estate market. Susan Legge EDITOR-IN-CHIEF Yellow Pages NextHome, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

THE LOWDOWNon down payments

editor’snote

A CHANGE OF SEASONS

is a good time for personal change


homebuyers’help

HOMEBUYERS’ RESOURCE SECTION

YOU LOVE THE HOME, SEE WHAT YOU CAN AFFORD!

Compare mortgage rates for your best deal

Calculate your mortgage payments

PRESIDENT, YELLOW PAGES NEXTHOMEJacqueline HillEDITOR-IN-CHIEF/DIRECTOR OF CONTENTSusan LeggeDIRECTOR OF SALES Moe LalaniNATIONAL SALES MANAGER

Jessica WilsonEDITOR

Marlene EisnerLydia McNutt (on leave)

MEDIA CONSULTANTAnita van BreevoortPhone: 403.461.5518

CONTRIBUTING EDITORSSara Duck (on leave)Wayne KarlElisa Krovblit

NATIONAL CIRCULATION MANAGER

John Jenkins

SENIOR PRODUCTION MANAGERBala Gnanapandithan PRODUCTION MANAGERNikki YarwoodGRAPHIC DESIGNERS/DISPLAY ARTISTSMike TerentievPRODUCTION COORDINATORSwinder Jodhka

PRINTINGTranscontinental, LGM - Coronet

FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518

Home Guide is published by Yellow Pages Homes Limited, located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Home Guide is distributed throughout Calgary at free pick-up locations. This magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. The advertising herein, including the photographs and all artwork, is the property of Home Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Home Guide magazine only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher.

The entire contents of this publication are protected by copyright and are intended for the sole use of the public.

The views expressed by the columnists in this publication are not necessarily those of the publication.

CAMERON & COMPANY DISCOUNT REALTY LTD.Dory Cameron. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

CENTURY 21Allison James . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7David Crick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2Jason Wilson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Rose-Marie Lafond . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Sonia Molina . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

MAPLE LEAF REALTYKen Yeoh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

RE/MAX REAL ESTATEDon Lothian. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29Jamie Macoun . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24Matt Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33Robert Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

ROYAL LEPAGE REAL ESTATEChris Zaharko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Ray Riley. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Serhan Tarkan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Back Page

EVENTSCalgary Home + Design Show . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

M O R T G A G E C O M P A N I E S

PROLINKLori Ames. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32

THE MORTGAGE GROUP ALBERTAStuart Pocock. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

R E C R E A T I O N A L P R O P E R T I E S & M O R E

PEMBERTON HOLMESNancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37

RECREATIONAL PROPERTIESWhispering Pines Golf & Country Club . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36

RE/MAX CAMUSON PENINSULA PROPERTIESJack Barker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

advertisersindex

Volume15 Issue09 HomeGuide • 9

VOLUME 15 ISSUE 9 | SEPTEMBER 4 - OCTOBER 2, 2015

contents

IN THIS ISSUE MAPS & EXTRAS

06. EDITOR’S NOTE

19. MAKE YOUR MOVE To pack yourself or not, that is the question by Chuck Resnick

21. MARKET ANALYSIS Calgary home sales stabalize in July by Heather Ryan

26. FEATURE PROPERTY Versatile bungalow offers multiple opportunities, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

28. STYLE FILE High design on a budget by Caitlin Best

32. MORTGAGE ADVICE How Bank of Canada rate changes effect you and your mortgage

by Alyssa Richard

33. TIPS AND TRICKS Checklist to remember for changing your address

38. RECREATION PROPERTY Closing up the summer home for the season by Marlene Eisner

44. AROUND THE HOUSE Detaching emotionally from your home when selling by Laura Le

47. QUICK TIPS Getting organized for back to school and back to work by By Hellen Buttigieg

26contents

MAPS & EXTRAS

16, 20, 30 & 34. Calgary maps, communities and MLS numbers

35. Recreational properties

40. Out-of-town regional map

41. You love the home, see what you can afford!

FOR ADVERTISING INFORMATION CALL 403.461.5518

NEXT DEADLINE: SEPTEMBER 18, 2015

28

19

21

4438


VOLUME 15 ISSUE 9 | SEPTEMBER 4 - OCTOBER 2, 2015

contents

IN THIS ISSUE MAPS & EXTRAS

06. EDITOR’S NOTE

19. MAKE YOUR MOVE To pack yourself or not, that is the question by Chuck Resnick

21. MARKET ANALYSIS Calgary home sales stabalize in July by Heather Ryan

26. FEATURE PROPERTY Versatile bungalow offers multiple opportunities, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

28. STYLE FILE High design on a budget by Caitlin Best

32. MORTGAGE ADVICE How Bank of Canada rate changes effect you and your mortgage

by Alyssa Richard

33. TIPS AND TRICKS Checklist to remember for changing your address

38. RECREATION PROPERTY Closing up the summer home for the season by Marlene Eisner

44. AROUND THE HOUSE Detaching emotionally from your home when selling by Laura Le

47. QUICK TIPS Getting organized for back to school and back to work by By Hellen Buttigieg

26contents

MAPS & EXTRAS

16, 20, 30 & 34. Calgary maps, communities and MLS numbers

35. Recreational properties

40. Out-of-town regional map

41. You love the home, see what you can afford!

FOR ADVERTISING INFORMATION CALL 403.461.5518

NEXT DEADLINE: SEPTEMBER 18, 2015

28

19

21

4438


Chris Zaharko | Associate#1 Individual Agent at Royal LePage Foothills 2008

P: 403.249.4322F: 403.252.2653

E: [email protected]: www.zaharko.com

Zaharko the name synonymous with real estatethe name synonymous with real estatewith real estate

3800 sq ft• Corner lot• 5 beds, 5 baths•

67 Mysti c Ridge Way (Brand New)

$1,699,000•

Brand new custom built• Close to 2000 sq ft developed • spaceExtensively upgraded•

Bridgeland, 211/213 11A St NE

$734,900 EACH

Completely renovated 3000 SF• 4 beds up• Hardwood throughout both levels• Triple oversized garage•

Kelvin Grove (Brand New)

$1,390,000

6,000 square feet• Unobstructed 360 degree • views14 offi ces, 10 underground • parking stalls

The Montana - Premier penthouse offi ce condo

$3,890,000

over 4600 sq ft of development• 5 bedrooms throughout• completely renovated• corner lot•

821 Riverdale Ave SW

$1,975,000


P: 403.249.4322F: 403.252.2653


the name synonymous with real estatethe name synonymous with real estatewith real estate



$1,699,000•



$734,900 EACH



$1,390,000



$1,975,000


P: 403.249.4322F: 403.252.2653





$1,699,000•



$734,900 EACH



$1,390,000

6,000 square feet• Unobstructed 360 degree • views14 offi ces, 10 underground • parking stalls

The Montana - Premier penthouse offi ce condo

$3,890,000



$1,975,000


P: 403.249.4322F: 403.252.2653





$1,699,000•



$734,900 EACH



$1,390,000



$1,975,000


P: 403.249.4322F: 403.252.2653



Custom Built• Backs to Fish Creek Park• 3000 sf developed living space• 3 bd 4 bath•

245 Aspen Stone Place268 Deer Run Cres (Foreclosure)

5311 Valiant Drive NW

$830,000

Former showhome• 2 bed + loft• Granite & Stainless steel in kitchen• Huge balcony with city views•

Signature Park

$584,900

2 car heated • parking stallfully covered • patio2 bedroom 2 • bath

Discovery Ridge Condo $359,900

• 1 bed 1 bath • Fantastic city views • Unique historic building

405 804 18 Ave SW, Anderson Estates $329,900

2 bed 1 bath• In-suite laundry• 2 underground parking stalls! •

#104 635 4 Ave NE

$250,000


P: 403.249.4322F: 403.252.2653



3100 sq ft• 3 bedrooms• fi nished basement• cul-de-sac location•

completely renovated• 5 bedroom throughout• fi nished basement• double over sized garage• south facing backyard•

245 Aspen Stone Place


$799,999

$619,000


Signature Park

$584,900


$329,900


#104 635 4 Ave NE

$250,000


P: 403.249.4322F: 403.252.2653



Custom Built• Backs to Fish Creek Park• 3000 sf developed living space• 3 bd 4 bath•

245 Aspen Stone Place268 Deer Run Cres (Foreclosure)


$830,000


Signature Park

$584,900

2 car heated • parking stallfully covered • patio2 bedroom 2 • bath

Discovery Ridge Condo $359,900


405 804 18 Ave SW, Anderson Estates $329,900


#104 635 4 Ave NE

$250,000


P: 403.249.4322F: 403.252.2653



3100 sq ft• 3 bedrooms• fi nished basement• cul-de-sac location•

completely renovated• 5 bedroom throughout• fi nished basement• double over sized garage• south facing backyard•

245 Aspen Stone Place


$799,999

$619,000


Signature Park

$584,900


$329,900


#104 635 4 Ave NE

$250,000

zoneCOMMUNIT IES & MLS NUMBERSzoneCOMMUNIT IES & MLS NUMBERS

STONEY TR

DEERFOOT TR

TRANS CANADA HI

16 AV

Pt. McKay

GreenwoodGreenbiar

CROWCHILD TR

STONEY TR

Arbour Lake ................................443Banff Trail .....................................415Beddington ..................................508Bowness .......................................478Brentwood ...................................420Briar Hill ......................................408Bridgeland ...................................400Cambrian Heights ......................496Capitol Hill ..................................414Charleswood ...............................419Citadel .........................................475Collingwood ................................418Country Hills ...............................516Country Hills Village ...................521Coventry Hills .............................520Crescent Heights ........................404Dalhousie ....................................422Edgemont ....................................461Evanston ......................................519Greenview ...................................503Greenwood Greenbiar ...............479Hamptons ...................................471Hanson Ranch ............................517Harvest Hills ...............................514Hawkwood ..................................451Hidden Valley ..............................518Highland Park .............................498Highwood ...................................499Hillhurst ......................................407Huntington Hills .........................505Kincora ........................................524Lynx Ridge ...................................488Macewan Glen ............................512

Montgomery ...............................476Mount Pleasant ...........................494Mountview ..................................490Nolan Hill ....................................474North Haven ...............................500North Haven Upper ...................501Panorama Hills ............................515Parkdale .......................................411Point Mckay .................................412Ranchlands ..................................441Ranchlands Estates .....................442Regal Terrace/Renfrew ................402Rocky Ridge ................................484Rosedale ......................................406Rosemont ....................................495Royal Oak ....................................486Sandstone ....................................510Sage Hill ......................................526Scenic Acres ................................432Sherwood ....................................477Silver Springs ..............................430St. Andrews Heights ...................413Stoney Industrial .........................525Sunnyside ....................................405Thorncliffe ...................................502Tuscany ........................................482Tuxedo..........................................492University Heights ......................416Valley Ridge .................................480Varsity Acres ................................426Varsity Estates .............................428Varsity Village ..............................424West Hillhurst .............................410

To View These Properties go to www.robertcote.ca

House of Real EstateHouse of Real EstateHouse of Real Estate

Specializing in Eau ClaireCondominiums Since 1991

www.robertcote.ca403-850-4290

• Certified Condominium Specialist• Re/Max Hall of Fame Member

• MLS Million Dollar Club Member• 3rd Generation Calgary Real Estate Agent

Exceptional Waterfront Townhome! The location is outstanding with park like setting and beautiful views overlooking Prince’s Island Park. Over 2700 sq ft of upgraded living space with 3 balconies and lge south facing patio! 3 Bdrms & 2 ½ Baths in total. Bright south facing kitchen with lge eating area, granite countertops, wrap around Island, built-in wine rack and access to south patio. Spacious living area with gorgeous hwd floors, gas frpl and access to lge balcony. Master retreat has 4 pce ensuite, jetted tub, separate shower, walk-in closet and city views. 3rd level has huge open space that could accommodate a family room, rec room or whatever your pleasure! This upgraded townhome can be conveniently accessed from the underground parking or courtyard and comes with 2 choice titled parking stalls.

LOCATION! LOCATION! EAU CLAIRE - PRINCE’S ISLAND ESTATES - $1,295,000

The Chateau LaCaille. An elegantly designed building with beautiful grand lobby, security/concierge service and underground carwash bay. Extremely quiet location along the Bow River in West Eau Claire. Bright south facing home with great 1153 sf floor plan, open kitchen with eating area, south facing balcony with view, gas fireplace, spacious living room, large tile entrance, separate laundry room, large full bathroom with jetted tub & shower stall, large master bedroom with walk-in closet/access to bathroom and enjoy the den/flex room off living area. ABSOLUTELY IMMACULATE home with underground titled parking and storage locker. Extraordinary Eau Claire location next to Bow River, Pathways, Peace Bridge, Prince’s Island Park and close to Market Shops, Cinemas, YMCA, Great Restaurants, LRT and just a short walk to City Center!

IMMACULATE CONDITON! EAU CLAIRE - CHATEAU LACAILLE - $524,900

EXCEPTIONAL VALUE!! The prestigious Eau Claire Estates. 1814 sq ft, 2 bdrms, 2 baths COMPLETELY RENOVATED with hardwood & tile floors throughout, granite countertops, stainless steel appliances, stylish custom cabinetry and elegantly renovated bathrooms. BRIGHT SOUTHWEST CORNER LOCATION with many large windows, spacious open floor plan, generous living/dining area that’s perfect for entertaining and a huge entrance way to greet guests. Enjoy the private master retreat with walk-in closet and ensuite bath, large guest bedroom with courtyard views next to 2nd bathroom, sep laundry room with storage and 2 choice SXS titled parking stalls close to elevator! The Eau Claire location is extraordinary next to the Bow River, Princes Island Park, YMCA, Market Shops, Walking/Bike pathways, Cinemas, Fine Restaurants and Indoor Plus 15 Network. Absolutely incredible amenities and secure 2 man 24 hr security/concierge.

COMPLETELY RENOVATED! EAU CLAIRE ESTATES - $639,900

The luxurious Princeton Hall with full time concierge and outstanding amenities including guest suite! SPECTACULAR and STUNNING VIEWS from this PRIME LOCATION condominium home! Full and permanently unobstructed views of the Bow River, Prince’s Island Park and Peace Bridge! Superior design and finishing is evident throughout this 2282 sq ft luxury condo with hardwood floors, granite countertops, stainless steel appliances and quality built-ins. Enjoy the large covered northeast corner terrace with views, 2 double sided gas fireplaces, great room off kitchen with bay window, gourmet style kitchen with 2 ovens/gas range/wine chiller, 2 ensuite baths, huge master with large walk-in & convenient laundry area, built-in speakers, vacuum system, 2 titled stalls, titled storage locker and convenient elevator that opens right into your home! Extraordinary Eau Claire location next to Park, River, Pathways and close to Market, Cinemas, Fine Restaurants, Plus 15 and just a short walk to city center! The ultimate in downtown urban living.

SPECTACUALR VIEWS! - EAU CLAIRE - PRINCETON HALL - $1,895,000

email:[email protected]

Five Year Fixed Rate

2.64%

Call (403) 863-1293 Today!

Need a mortgage?

PRO LINK MORTGAGE


zoneCOMMUNIT IES & MLS NUMBERSzoneCOMMUNIT IES & MLS NUMBERS

STONEY TR

DEERFOOT TR

TRANS CANADA HI

16 AV

Pt. McKay

GreenwoodGreenbiar

CROWCHILD TR

STONEY TR

Arbour Lake ................................443Banff Trail .....................................415Beddington ..................................508Bowness .......................................478Brentwood ...................................420Briar Hill ......................................408Bridgeland ...................................400Cambrian Heights ......................496Capitol Hill ..................................414Charleswood ...............................419Citadel .........................................475Collingwood ................................418Country Hills ...............................516Country Hills Village ...................521Coventry Hills .............................520Crescent Heights ........................404Dalhousie ....................................422Edgemont ....................................461Evanston ......................................519Greenview ...................................503Greenwood Greenbiar ...............479Hamptons ...................................471Hanson Ranch ............................517Harvest Hills ...............................514Hawkwood ..................................451Hidden Valley ..............................518Highland Park .............................498Highwood ...................................499Hillhurst ......................................407Huntington Hills .........................505Kincora ........................................524Lynx Ridge ...................................488Macewan Glen ............................512

Montgomery ...............................476Mount Pleasant ...........................494Mountview ..................................490Nolan Hill ....................................474North Haven ...............................500North Haven Upper ...................501Panorama Hills ............................515Parkdale .......................................411Point Mckay .................................412Ranchlands ..................................441Ranchlands Estates .....................442Regal Terrace/Renfrew ................402Rocky Ridge ................................484Rosedale ......................................406Rosemont ....................................495Royal Oak ....................................486Sandstone ....................................510Sage Hill ......................................526Scenic Acres ................................432Sherwood ....................................477Silver Springs ..............................430St. Andrews Heights ...................413Stoney Industrial .........................525Sunnyside ....................................405Thorncliffe ...................................502Tuscany ........................................482Tuxedo..........................................492University Heights ......................416Valley Ridge .................................480Varsity Acres ................................426Varsity Estates .............................428Varsity Village ..............................424West Hillhurst .............................410

To View These Properties go to www.robertcote.ca

House of Real EstateHouse of Real EstateHouse of Real Estate

Specializing in Eau ClaireCondominiums Since 1991

www.robertcote.ca403-850-4290

• Certified Condominium Specialist• Re/Max Hall of Fame Member

• MLS Million Dollar Club Member• 3rd Generation Calgary Real Estate Agent

Exceptional Waterfront Townhome! The location is outstanding with park like setting and beautiful views overlooking Prince’s Island Park. Over 2700 sq ft of upgraded living space with 3 balconies and lge south facing patio! 3 Bdrms & 2 ½ Baths in total. Bright south facing kitchen with lge eating area, granite countertops, wrap around Island, built-in wine rack and access to south patio. Spacious living area with gorgeous hwd floors, gas frpl and access to lge balcony. Master retreat has 4 pce ensuite, jetted tub, separate shower, walk-in closet and city views. 3rd level has huge open space that could accommodate a family room, rec room or whatever your pleasure! This upgraded townhome can be conveniently accessed from the underground parking or courtyard and comes with 2 choice titled parking stalls.

LOCATION! LOCATION! EAU CLAIRE - PRINCE’S ISLAND ESTATES - $1,295,000

The Chateau LaCaille. An elegantly designed building with beautiful grand lobby, security/concierge service and underground carwash bay. Extremely quiet location along the Bow River in West Eau Claire. Bright south facing home with great 1153 sf floor plan, open kitchen with eating area, south facing balcony with view, gas fireplace, spacious living room, large tile entrance, separate laundry room, large full bathroom with jetted tub & shower stall, large master bedroom with walk-in closet/access to bathroom and enjoy the den/flex room off living area. ABSOLUTELY IMMACULATE home with underground titled parking and storage locker. Extraordinary Eau Claire location next to Bow River, Pathways, Peace Bridge, Prince’s Island Park and close to Market Shops, Cinemas, YMCA, Great Restaurants, LRT and just a short walk to City Center!

IMMACULATE CONDITON! EAU CLAIRE - CHATEAU LACAILLE - $524,900

EXCEPTIONAL VALUE!! The prestigious Eau Claire Estates. 1814 sq ft, 2 bdrms, 2 baths COMPLETELY RENOVATED with hardwood & tile floors throughout, granite countertops, stainless steel appliances, stylish custom cabinetry and elegantly renovated bathrooms. BRIGHT SOUTHWEST CORNER LOCATION with many large windows, spacious open floor plan, generous living/dining area that’s perfect for entertaining and a huge entrance way to greet guests. Enjoy the private master retreat with walk-in closet and ensuite bath, large guest bedroom with courtyard views next to 2nd bathroom, sep laundry room with storage and 2 choice SXS titled parking stalls close to elevator! The Eau Claire location is extraordinary next to the Bow River, Princes Island Park, YMCA, Market Shops, Walking/Bike pathways, Cinemas, Fine Restaurants and Indoor Plus 15 Network. Absolutely incredible amenities and secure 2 man 24 hr security/concierge.

COMPLETELY RENOVATED! EAU CLAIRE ESTATES - $639,900

The luxurious Princeton Hall with full time concierge and outstanding amenities including guest suite! SPECTACULAR and STUNNING VIEWS from this PRIME LOCATION condominium home! Full and permanently unobstructed views of the Bow River, Prince’s Island Park and Peace Bridge! Superior design and finishing is evident throughout this 2282 sq ft luxury condo with hardwood floors, granite countertops, stainless steel appliances and quality built-ins. Enjoy the large covered northeast corner terrace with views, 2 double sided gas fireplaces, great room off kitchen with bay window, gourmet style kitchen with 2 ovens/gas range/wine chiller, 2 ensuite baths, huge master with large walk-in & convenient laundry area, built-in speakers, vacuum system, 2 titled stalls, titled storage locker and convenient elevator that opens right into your home! Extraordinary Eau Claire location next to Park, River, Pathways and close to Market, Cinemas, Fine Restaurants, Plus 15 and just a short walk to city center! The ultimate in downtown urban living.

SPECTACUALR VIEWS! - EAU CLAIRE - PRINCETON HALL - $1,895,000

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

LUXURYThe only magazine of its kind in Calgary, Luxury Living

showcases high-end homes, condos and properties. This is your exclusive opportunity to establish your

property as the pinnacle of affl uent living.

PICK UP YOUR FREE COPY.

Brought to you by the publishers of

AVAILABLE ONLINE AT

LuxuryLivingCalgary.com

SUMMER 2015

AVAILABLE ONLINE AT


SUMMER 2015

10 QUESTIONS WITH

VAUGHAN WALLACEYOUR OUTDOOR ESCAPELIVING

POSH

OLSONOLSONCandiceCandiceDESIGN SENSATION

OLSONdotes on details

LLCL_May_2015.indd 1

5/21/15 4:33 PM

LUXURYTh e Pinnacle of

TO BOOK YOUR ADVERTISING SPACE CONTACT:Anita Van Breevoort 403.461.5518

[email protected]

makeyourmove

DIY, or go with a pro?B Y C H U C K R E S N I C K

With moving comes packing, and with packing comes decisions. Some people want to pack their own items, while others prefer to leave the task to a pro. Weigh the pros and cons before you decide.

THE PROFESSIONAL PACKER DIY packing only saves money if your items make it from Point A to B in one piece. Moving companies will not be responsible for items damaged due to your poor packing skills.

The most critical element in packing is taking into consideration how far and long the items will remain in the boxes during transit. Consumers often underestimate just how much jostling their items will endure on the road. Accessories like lamps may seem to be packed well, but may shift inside the carton and break or chip as a result.

Professional packers make it their business to know what is best for various categories of items, depending on the size and distance of the move, and they pack accordingly. Having your mover pack your stuff also offers the peace of mind in knowing that if damage occurs, your possessions will be repaired or replaced.

THE DIY PACKER When done properly, the DIY method is more economical. If you’re willing and able to pack yourself, ensure you have the proper materials.

Your list of must-haves will include tape dispensers, packing paper, markers, pads/blankets and bubble wrap. Of course, there are many sizes and strengths of boxes available. Know what you need in advance.

Whether you choose to pack your own items or have your mover do it, be sure you choose a company with a solid track record for providing top-notch service.

Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca


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

LUXURYThe only magazine of its kind in Calgary, Luxury Living

showcases high-end homes, condos and properties. This is your exclusive opportunity to establish your

property as the pinnacle of affl uent living.

PICK UP YOUR FREE COPY.

Brought to you by the publishers of

AVAILABLE ONLINE AT


SUMMER 2015

AVAILABLE ONLINE AT


SUMMER 2015

10 QUESTIONS WITH

VAUGHAN WALLACEYOUR OUTDOOR ESCAPELIVING

POSH

OLSONOLSONCandiceCandiceDESIGN SENSATION

OLSONdotes on details

LLCL_May_2015.indd 1

5/21/15 4:33 PM

LUXURYTh e Pinnacle of

TO BOOK YOUR ADVERTISING SPACE CONTACT:Anita Van Breevoort 403.461.5518

[email protected]

Ken YeohBroker/Owner

FREE Quick OnLine Home Evaluation

Inner city estate quality home • by Albi3180sf of luxurious living space & • fully air conditioned4 BRs, den/office & 3.5 baths • Huge living room, dining room, • family room, media room & rec roomDream kitchen w/9.5 ft island • brushed cambrian granite counter topsHigh end SS appliances including 2 • Thermodor wall ovens, gas stoveImported hardwood floors, 33 pot • lights, Hunter Douglas honeycomb blindsNicely landscaped & wrought iron • fence in front west facing yardHeated 2-car garage•

GARRISON GREEN

$79

9,8

00

Gorgeous 2 storey in Sherwood• 3 bedrooms & 2.5 baths• Great open floor plan with hardwood floors• Large living dining room combo• Bright kitchen with granite counter tops• Office/den on the main floor• Large master with F/P, sitting area & balcony• Undeveloped walk-out basement• Close to airport, Stoney Trails & all amenities•

SHERWOOD

$5

35

,00

0

NEW LISTING

403.803.8981 www.mapleleafrealty .ca

MO

NTH

LY S

TATI

STIC

S

Fully renovated 4-level split• Quiet street & corner lot• 5 BRs, 3 baths & 2 kitchens• New kitchen cabinets & windows• Newer shingles, appliances• Hardwood floors through out• Master with 4-pc ensuite bathroom• Walk to Whitehorn station, hospital & Safeway•

$4

19,9

00

WHITEHORN

SOLD

$3

89

,00

0

Sterling built split level• Located on quiet cul-de-sac• 3 bedrooms & 3 baths• High ceilings in living room• Kitchen with raised breakfast bar• Walk out basement has rec room, laundry & bath • Large west facing backyard• Close to schools & all amenities•

COVENTRY HILLS

City of Calgary Jul-14 Jul-15 % change Aug-14 Aug-15 % change

Total Sales 2,316 1,995 -13.86% 1,372 989 -27.92%

New Listings 3,205 2,982 -6.96% 1,962 1,668 -14.98%

Active Listings 4,678 5,055 8.06% N/A 5,250 N/A

Median 425,000 435,000 2.35% 425,000 425,000 0.00%

Average Price 481,219 476,675 -0.94% 475,101 470,121 -1.05%

Days on Market 33 40 21.21% 35 40 14.29%

Benchmark Price 456,100 455,400 -0.15% N/A N/A N/A

Note: Calgary Metro only; includes zone A, B, C & D

SOLD

makeyourmove

DIY, or go with a pro?B Y C H U C K R E S N I C K

With moving comes packing, and with packing comes decisions. Some people want to pack their own items, while others prefer to leave the task to a pro. Weigh the pros and cons before you decide.

THE PROFESSIONAL PACKER DIY packing only saves money if your items make it from Point A to B in one piece. Moving companies will not be responsible for items damaged due to your poor packing skills.

The most critical element in packing is taking into consideration how far and long the items will remain in the boxes during transit. Consumers often underestimate just how much jostling their items will endure on the road. Accessories like lamps may seem to be packed well, but may shift inside the carton and break or chip as a result.

Professional packers make it their business to know what is best for various categories of items, depending on the size and distance of the move, and they pack accordingly. Having your mover pack your stuff also offers the peace of mind in knowing that if damage occurs, your possessions will be repaired or replaced.

THE DIY PACKER When done properly, the DIY method is more economical. If you’re willing and able to pack yourself, ensure you have the proper materials.

Your list of must-haves will include tape dispensers, packing paper, markers, pads/blankets and bubble wrap. Of course, there are many sizes and strengths of boxes available. Know what you need in advance.

Whether you choose to pack your own items or have your mover do it, be sure you choose a company with a solid track record for providing top-notch service.

Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

zoneCOMMUNIT IES & MLS NUMBERS

DEERFOOT TR

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

Abbeydale ....................................664Albert Park ...................................730Applewood ..................................768Calgary International Airport ....624Castleridge ..................................676Castleridge Estates .....................678Coral Springs ..............................688Deerfoot/Skyline Ind Park ..........615Dover ...........................................738Dover Glen ..................................736Eastfi eld .......................................748Erin Woods ..................................740Falconridge ..................................680Fonda ...........................................726Forest Heights .............................762Forest Lawn .................................764Franklin/Meridian Ind Park ........630Horizon Industrial Park ..............640Jacksonport..................................690Marlborough ...............................660Marlborough Park .......................662Martindale ...................................682

Mayland Heights ........................600Mayland Heights East ................604McCall/Airways Ind Park ...........610Monterey Park .............................670Penbrooke....................................766Pineridge .....................................668Radisson Heights ........................728Red Carpet/Mountview Mhp .....770Rundle .........................................666Saddle Ridge ...............................645Southview....................................732Saddle Ridge Ind ........................625Stoney Industrial/Westwinds .....625Skyview Ranch ...........................692Stone Gate Landing ...................691Sunridge Industrial Park ............635Taradale .......................................684Temple .........................................674Valleyfi eld ....................................744Vista Heights ...............................605West Dover ..................................734Whitehorn ...................................672

email: [email protected]

My experience and service will work for you.

PRO LINK MORTGAGE

Call (403) 863-1293 Today!

Need a mortgage?


High Design on a budget

BE ART SMART If you can’t afford a Picasso, then consider other things that will still look great on your wall. For instance, many avid cyclists install mounts to hang up their bicycles right inside their homes and condos. Just remember that art is in the eye of the beholder.

DUAL PURPOSE It’s all about finding the ways to get the most use out of furniture. When you buy an end-table, make sure it has drawers for storage. Or, re-use your coffee table books and make your own end tables. Company will think you’re a design genius.

RE-PURPOSE THE PAST It’s hard to part with sentimental things, so why not incorporate them? Re-invent that wooden wine box that you brought home from wine country in France, and use it for storage or shelving.

FANCY SCHAMNCY Don’t be afraid to make old things new again. A recent trend has involved people sourcing old army surplus cots and giving them a fresh look with decorative throw pillows. Be creative! RETURN POLICIES Unbeknownst to many shoppers, when you make a return to certain design shops, you can be charged a re-stocking fee. Before you buy, make sure to confirm this policy with the sales staff. MIRRORS Hanging mirrors can be one of the most expensive things about home decor. A leaning mirror will give you a similar effect at a fraction of the price. For more clever tips on making your home fabulous, follow Erica on her blog Moth Design, at moth-design.com

7

8

9

Volume15 Issue09 | HomeGuide • 21

marketanalysis

A� er experiencing a huge decrease in sales in the Calgary real estate market at the start of the year, declines in residential housing sales activity eased in July, according to � gures released by the Calgary Real Estate Board (CREB®).

In fact, there has been a signi� cant easing in the year-over-year sales decline since hitting a high of 38.9 per cent in January, to now at 13.9 per cent in July.

And through it all, benchmark prices in Calgary’s real estate market have remained stable.

Total combined sales in the city of Calgary were 1,995 in July, a 13.9 per cent drop from the 2,316 recorded in July 2014, and down 8.6 per cent from the 2,183 in sales recorded in June.

In the meantime, Calgary’s overall combined benchmark price remained relatively unchanged in both year-to-year and month-to-month comparisons, sitting at $455,400 in both June and July and a fraction lower than July 2014’s $456,100.

“� e sales activity in July was almost a mirror image of May and June,” says CREB® president Corinne Lyall. “Typically we see more of a slowing in sales between June and July, but I think because we had a late spring market, that didn’t happen.

“We are still below our sales average, but our sales are more in line with the 2011 and 2012 numbers before the market shi� ed into high gear in 2013 and 2014,” she says. “We’re still seeing the largest amount of sales in the $400,000 to $500,000 range.

“� e market that is really a� ected is luxury, where we just haven’t had the

number of sales that we have been used to seeing,” Lyall adds. “Over the 10-year average we’re up, but in comparison to the last two years when we had record-setting sales, we’re down.”

For example, year-to-date home sales as of the end of July in the $1-million to $1,499,999-million range were 250, about a 33 per cent drop from the 374 during the first seven months in 2014.

Detached (single-family) sales in July were 1,222, a 10.4 per cent drop from the 1,364 tallied in July 2014, and an 8.5 per cent decline from June’s 1,335.

Meanwhile, attached (condo townhouse) sales were 449 in July, a 10.9 per cent decline from 504 in July 2014, and the exact same as June’s total.

Condo apartment sales in July were 324, down by the highest margin at 27.7 per cent from the 448 in July 2014, and an 18.8 per cent drop from June’s 399.

“� e condo apartment market sales are down mainly due to more competition with new condos, which you don’t really see in the single-family home market because the number of new home starts have eased o� ,” Lyall explains. “In the condo market, it o� en takes two to three years to build, so there are a number of new condos coming on the market now competing with resale, which impacts sales and prices.”

� e apartment benchmark price in July was $293,300, down 1.6 per cent from July 2014’s $298,100, and a slight drop from June’s $293,600.

Meanwhile, the benchmark prices in detached and attached markets remain steady. � e detached benchmark price in July was $515,300, on par with both July 2014’s $515,700 and June’s $515,500, while the attached homes’ benchmark price in July was $355,300 a 0.8 per cent hike over $352,600 in July 2014 and up a fraction from June’s $354,500.

“We’re in a balanced market, but we still have some concerns with the economy and the a� ect it will have on the fall market,” Lyall says, noting that CREB’s recently released second-half forecast notes that further job losses and a slower recovery time for oil prices could weaken the demand for housing.

B Y H E AT H E R R YA N

Calgary real estate sales decline eases in July


I Recently Staged and SOLD…

Each listing tastefully staged to show its very bestAlways professionally marketed on MLS®

Listing commissions from 1%.

20 Bedfield Cl NE 3443 Cedarille Dr SW1807 Canberra Rd NW 148 Auburn Bay Blvd SE 10 Glen Eagles Close201—27 Ave NW 485 Huntley Way NE 623 – 23 Avenue NE1313—60 Panatella St NW 491 Panatella Square NW 12 Mt Selkirk Cl SE108 Templemont Circle NE 1106—22 Ave NW 812—2 Street NE958 Reunion Gateway 91 Royal Crest Way NW 5104 Brockington Rd NW204 Coventry Rd NE 124 Oakcliffe Pl SW 4304—70 Panamount Dr NW

Beautifully Staged...

www.Cameron-Realty.ca

Award Winning Realtor®Certified Professional Stager15 Years Solid Residential Experience




Beautifully Staged... (Nicely Sold)

Dory CameronBroker, FRI, CCS, CSP

[email protected] Direct 403-807-7193

(Nicely Sold)

www.Cameron-Realty.ca“ Dory staged my home and it sold in a week for thousands

more than what other realtors evaluated my home at”.D.V., Willow Park


I Recently Staged and SOLD…




Beautifully Staged...

www.Cameron-Realty.ca

Award Winning Realtor®Certified Professional Stager15 Years Solid Residential Experience




Beautifully Staged... (Nicely Sold)

Dory CameronBroker, FRI, CCS, CSP

[email protected] Direct 403-807-7193

(Nicely Sold)

www.Cameron-Realty.ca“ Dory staged my home and it sold in a week for thousands

more than what other realtors evaluated my home at”.D.V., Willow Park

StrathmoreWelcome to Savana! Luxury 1 bedroom condo in Strathmore. First time buyers or investors! Great condition, shows well. Bright entrance with insuite laundry and closet. Bright, open kitchen with raised eating bar and light maple cabinets with granite counters. Large living room with corner fireplace and patio doors to balcony. A large master suite with 4 piece ensuite and closet. Call to view today! MLS#C4020436

Luxury Condo in Strathmore!

$154,900

LuxStone-airdrie2 bedroom, 2 bath with a den on this second floor 812 sq ft condo. Open concept kitchen with dark grey solid wood kitchen cabinets with soft closing doors and stainless steel appliances. Spacious living room with views of green space and quiet part of the building, patio door leads out to deck area. Large master bedroom with walk thru closet leading to 3 piece bathroom with soaker tub and granite countertops. 2nd bedroom on opposite side and another 3 piece bathroom with stacked washer and dryer. 1 heated underground titled parking spot. Well maintained Unit, like brand new inside. MLS#C4026765

airdrie Living

$223,900

$314,900

SherwoodBeautiful 2 bedroom, 2 bathroom apartment condo on the top floor overlooking the courtyard. Very bright & open plan, 9 ft ceilings. Breakfast eating bar with maple kitchen cabinets & granite counter tops open to large dining area & huge great rm w/ patio doors leading out to the balcony overlooking the courtyard. Large master bedroom with walk through his & hers closet & 4 pc en-suite bath. Good sized 2nd bedroom w/ 4 pc bathroom. In-suite laundry & storage rm. Underground heated 1 1/2 over sized titled parking stall ideal for large vehicle or for wheelchair access. Caged storage locker at front of stall & next to the elevator. Quiet location, easy access to Beacon Hill, Crowfoot & Stoney Trail. Ideal for 1st time buyer or professional couple. Exceptional value! MLS#C4023752

BeautifuL Condo in Sherwood!

$277,900

CranSton2 storey home with 3 bedrooms, 3 bathrooms, bonus room and double attached garage in the family friendly neighborhood of Cranston. Bright and open plan. Main floor with hardwood floors and ceramic tile. Gourmet kitchen with centre island, corner pantry and stainless steel appliances open to large nook area. Door off nook to huge south facing backyard with deck and firepit. Spacious family room with gorgeous centre fireplace. Main floor laundry room and 2 piece powder room. Gorgeous staircase leading upstairs to large bonus room and spacious master bedroom with 4 piece ensuite with soaker tub, glass shower and walk in closet. 2 other good sized bedrooms and 4 piece main bath. The basement is unfinished with rough in for bathroom. This home is situated close to all amenities including Sobeys, pet store, pub and more. Walking distance to both school boards schools. Close to Fish Creek Park and new the South Campus Hospital. Easy access. Great family home. MLS#C4024251

great famiLy home!

$477,900

downtown570 sq ft, 1 bedroom, 1 bathroom condo located on the top floor of brick building in the heart of Chinatown. Secure building, insuite laundry. Laminate flooring throughout, large bedroom with big wardrobe closet. Bright, open plan with lots of natural light. Close to Eau Claire, river pathway and walk to work downtown. MLS#C4021128downtown apartment!

$184,900

SpruCe CLiffExecutive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances. Double French doors leading out to covered deck with Golf Course and city views. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. MLS#C4007418

overLooking goLf CourSe!

$529,900

SaddLeridge Great location! Detached bi-level with double attached garage on corner lot in Saddleridge.Open floor plan with large foyer, living room, dining nook and all appliances included. In addition, master bedroom with two piece ensuite, large second bedroom and four piece bath complete main floor. The lower level has two framed bedrooms, roughed in plumbing, laundry and storage. Large rear deck and fully fenced backyard for kids and pets. A short walk to C-Train and shopping center. MLS#C4024302

great LoCation!

$396,000

garriSon woodSExecutive air conditioned townhouse in desirable Garrison Woods. Great corner unit with many upgrades. 2nd level with upgraded gourmet kitchen with stainless steel appliances, upgraded cabinets, under counter reverse osmosis and water softener. large eat in nook. Spacious living room with gas fireplace. Large master bedroom with walk in closet and 5pc ensuite. Main floor with huge family room, guest bedroom and 4pc bath and laundry. Single attached garage. Walking distance to Starbucks and restaurants. Pet friendly complex. MLS#C4008296

many upgradeS!

$549,900

SpruCe CLiffThis unit has Breathtaking views of Downtown, the Bow River & Shaganappi Golf Course. Live in this desirable urban community step from the underground C-Train Station, walking distance to Westbrook Mall including Wal-Mart & Safeway and minutes to downtown. Modern condo living with A/C and TWO titled underground parking stalls. Stylish kitchen features Stainless Steel appliances and granite countertops. The Nook has room for a large table great for entertaining. Great sized Balcony looking out to the amazing views. Living room with a corner gas fireplace. Master bedroom with large walk-in closet and 4pc ensuite finished with granite countertops. Second bedroom is a great size. 3pc bath with granite. In suite laundry. Many amenities such as swimming pool, hot tub, gym, games room, bike storage, storage locker, 24 hour on site security and on-site caretaker. Amazing building with a lot to offer. Exceptional value! MLS#C4017343

Breathtaking viewS!

$449,000

SunSet ridge-CoChrane Brand new Fairfax 3 Landmark home with over 2300 sq ft and walkout basement. Front oversized double garage with extra wide driveway. Triple pane windows, high efficiency furnace and tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops and large island open to great room with gas fireplace. Walk thru pantry. Hardwood floors throughout main floor. 2pc powder room. Upstairs boasts a large bonus room. Master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 2 additional bedrooms and 4pc main bath. 2nd floor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4020738

Limited time offer!

$549,900

fuLLy deveLoped BaSement!

$588,800

Limited time offer!

$589,900

Limited time offer!

$629,900

exeCutive downtown Condo!

$589,900

Len T. WongBroker

Laura o’ConneLLAssociate/Partner

prominenCe patterSonExecutive 2 bedroom and 2 bathroom 2nd floor apartment condo with city views and large deck in showhome condition. Original owners. Concrete building with heated underground parking stall and large storage locker. Very bright and open plan with lots of windows. Bright, sunny kitchen with breakfast eating bar open to large dining area and huge great room with gas fireplace. French door leading out to large deck with city views. Large master bedroom with 3pc ensuite and separate walk in closet. Good sized 2nd bedroom and 4pc main bath. Insuite laundry. Newer carpets throughout. Pride of ownership shown throughout. Ideal for the professional couple or mature couple. 1 underground, heated parking stall and large storage locker. Quiet building and location. Exceptional value! MLS#C4021663

exeCutive Condo!

$469,900

CranSton2 storey home with 3 bedrooms, 3 bathrooms, bonus room and double attached garage in the family friendly neighborhood of Cranston. Bright and open plan. Main fl oor with hardwood fl oors and ceramic tile. Gourmet kitchen with centre island, corner pantry and stainless steel appliances open to large nook area. Door off nook to huge south facing backyard with deck and fi repit. Spacious family room with gorgeous centre fi replace. Main fl oor laundry room and 2 piece powder room. Gorgeous staircase leading upstairs to large bonus room and spacious master bedroom with 4 piece ensuite with soaker tub, glass shower and walk in closet. 2 other good sized bedrooms and 4 piece main bath. The basement is unfi nished with rough in for bathroom. This home is situated close to all amenities including Sobeys, pet store, pub and more. Walking distance to both school boards schools. Close to Fish Creek Park and new the South Campus Hospital. Easy access. Great family home. MLS#C4024251

Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.


garriSon woodSExecutive air conditioned townhouse in desirable Garrison Woods. Great corner unit with many upgrades. 2nd level with upgraded gourmet kitchen with stainless steel appliances, upgraded cabinets, under counter reverse osmosis and water softener. large eat in nook. Spacious living room with gas fi replace. Large master bedroom with walk in closet and 5pc ensuite. Main fl oor with huge family room, guest bedroom and 4pc bath and laundry. Single attached garage. Walking distance to Starbucks and restaurants. Pet friendly complex. MLS#C4008296

SunSet ridge-CoChrane Brand new Fairfax 3 Landmark home with over 2300 sq ft and walkout basement. Front oversized double garage with extra wide driveway. Triple pane windows, high effi ciency furnace and tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops and large island open to great room with gas fi replace. Walk thru pantry. Hardwood fl oors throughout main fl oor. 2pc powder room. Upstairs boasts a large bonus room. Master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 2 additional bedrooms and 4pc main bath. 2nd fl oor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4020738

panorama hiLLSExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bedrooms, 4 baths and bonus room. Very bright and open plan. Dining/fl ex room as you enter the home. Bright, sunny kitchen with centre island and breakfast eating bar open to large eating area and huge great room with gas fi replace and built in speakers. French door leading out from eating area with Phantom screen to large Duradeck with metal railings and glass panels. Staircase leading upstairs to large bonus room. Large master bedroom with 5pc ensuite with large soaker tub and separate shower and huge separate walk in closet. 2 other good sized bedrooms and 4pc bath. Professionally developed basement with family room, den area, 2 bedrooms and 3pc cheater ensuite. Stucco exterior. Pride of ownership shown throughout. Quiet location. Walking distance to schools and close to amenities. Excellent family home! Exceptional value! MLS#C4021740


$588,800

CranStonREDUCED FROM $629,900. BELOW APPRAISED VALUE! Landmark Homes Solar Powered Willowdale. 80% to 90% more energy effi cient than an average new Alberta home. This home generates enough energy to meet the homes annual electricity needs. It loses less heat with triple pane windows. It has better indoor air quality, the heat recovery ventilator reduces allergens while saving energy by transferring heat from outgoing air to fresh incoming air. This home also uses less water. Water consumption is lowered with Kohler low fl ow faucets and shower heads and low fl ow 1.28 litre effi cient toilets. This 2 storey has 4 bedrooms,3 baths and bonus rm. Beautiful kitchen w/ centre island open to eating area and great room with gas fi replace. Spacious bonus room. Large master bedroom with 4pc ensuite and walk in closet. 2 other good sized bedrooms and 4pc bath. Second fl r laundry room. 2yr builders warranty and 10yr New Home Warranty. Close to all amenities and easy access. Great family home! MLS#C4020708

Limited time offer!

$589,900

SunSet ridge-CoChraneBrand new The Harmony Landmark home with over 2500 sq ft. Double attached garage with extra wide garage. Triple pane windows, high effi ciency furnace and tankless hot water. 4 bedrooms, main fl oor den, bonus room and 3 bathrooms. Upgraded kitchen with soft close hinges, granite countertops with large island. Open concept great room with tiled surround fi replace. Hardwood fl oors throughout main fl oor. 2pc powder room. Upstairs you will fi nd a large bonus room. Spacious master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 3 other good sized bedrooms and 4pc main bath. 2nd fl oor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. Includes builder’s warranty and New Home Warranty. MLS#C4020734

Limited time offer!

$629,900

downtownExecutive air conditioned 2 bedroom and 2 bathroom condo in the SE corner of Tower II at Waterfront on the 10th fl oor. Views of city skyline and Centre Street bridge and river. Gourmet kitchen with large island with quartz countertops and premium concealed appliances behind custom millwork open to separate eating area and large great room with gas fi replace. Very bright and open plan. Full length windows throughout. Large balcony with gasline for BBQ. Large master bedroom with 4pc ensuite with large soaker tub and separate shower. His and hers closets. 2nd bedroom is ideal for den with a cheater ensuite. Insuite laundry. 1 underground parking stall and storage locker. Located between Calgary’s downtown core and Prince’s Island Park. Fully equipped fi tness centre, yoga studio, indoor whirlpool and steam rooms, private movie theater and executive concierge. Ideal for the professional. Exceptional value. MLS#C4023701


$589,900

weSt SpringSStunning, attached air conditioned bungalow with fully developed basement and double attached garage located on a huge pie shaped lot with incredible 2 tiered deck with tons of room for entertaining with gas fi repit and LED lights. 3 bedrooms, 3 baths and main fl oor den. Hardwood fl oors throughout. Beautiful maple kitchen with granite, stainless steel appliances including gas stove, subway tiled backsplash and walk in pantry. Spacious eat in nook with sliding doors out to patio. Kitchen open to family room with grand stone fi replace to the ceiling. Main fl oor den. Large master bedroom with 4pc ensuite with tiled fl oors and walk in closet. Fully fi nished basement with 2 bedrooms, 4pc bath and large rec room with gas fi replace and wet bar. Professionally landscaped extremely private pie shaped yard with underground sprinklers and storage shed. This home is located on a quiet cul de sac and close to all amenities. MLS#C4026596

Stunning BungaLow!

$689,900

woodLandSRare opporunity to renovate the home you want backing onto Canyon Meadows Golf Course!This home has great potential in this 2 storey split house over 2500 sqft.3 bedrms & 3 bathrms.Very bright & open plan, vaulted ceilings in the sunken living rm & stone fp separating the dining rm.2 Storey catherdral feel in the foyer entrance.Ktchn with *** open to eating area & sunken family rm w/fp built-ins & wet bar. French drs leading out to huge backyrd overlooking golf course.2 pc powder rm & main fl r laundry w/sink. Gogeous spiral** staircase leads up to lrg mster bedrm w/ decks at the front & back of the house.His & hers closet w/ 4 pc ensuite bathrm w/jetted tub & shower.2 other good sized bedrms w/french drs leading out to deck w/4 pc bathrm w/sky light.Basementis unfi nished w/2 furnaces & 1 rm is partially developed w rough-in fp.Oversized dbl attchd grg.Located in cul-de-sac.This home has lots of potential.There will be no warranties & representation.Property brought as-is.Quiet location, Exceptional Value! MLS#C4023768

renovate your dream home!

$650,000

tuxedoExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo. Very bright & open plan. Recently painted throughout,new lights,new hardwd fl oors throughout main fl r.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry, 2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm. Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage. Home built w/sound reducing brick common wall. Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot! Exceptional Value! MLS#C4022815

extenSiveLy updated home!

$639,900

prominenCe patterSonExecutive 2 bedroom and 2 bathroom 2nd fl oor apartment condo with city views and large deck in showhome condition. Original owners. Concrete building with heated underground parking stall and large storage locker. Very bright and open plan with lots of windows. Bright, sunny kitchen with breakfast eating bar open to large dining area and huge great room with gas fi replace. French door leading out to large deck with city views. Large master bedroom with 3pc ensuite and separate walk in closet. Good sized 2nd bedroom and 4pc main bath. Insuite laundry. Newer carpets throughout. Pride of ownership shown throughout. Ideal for the professional couple or mature couple. 1 underground, heated parking stall and large storage locker. Quiet building and location. Exceptional value! MLS#C4021663

DISCOVER THE ADVANTAGE

CapitoL hiLLShowhome condition 2 storey home in great location. This home shows like new. Freshly painted throughout. Main fl oor with den/dining room with double French doors. Stunning gourmet kitchen with granite island and newer stainless steel appliances with gas stove. Kitchen open to large great room with gas fi replace. Newer Hunter Douglas blinds. Back entry with bench storage. Second level with skylight and vaulted ceilings. Huge master bedroom with walk in closet and 4pc ensuite. 2 other good sized bedrooms and 4pc bath. Second fl oor laundry room with sink. Fully developed basement with family room with gas fi replace, 2 bedrooms and 3pc bath. Landscaped, fenced backyard with patio. Double detached garage. New shingles on garage. Close to all amenities and easy access. Excellent value! MLS#C4021753

great LoCation!

$699,900

StrathmoreWelcome to Savana! Luxury 1 bedroom condo in Strathmore. First time buyers or investors! Great condition, shows well. Bright entrance with insuite laundry and closet. Bright, open kitchen with raised eating bar and light maple cabinets with granite counters. Large living room with corner fireplace and patio doors to balcony. A large master suite with 4 piece ensuite and closet. Call to view today! MLS#C4020436

Luxury Condo in Strathmore!

$154,900

LuxStone-airdrie2 bedroom, 2 bath with a den on this second floor 812 sq ft condo. Open concept kitchen with dark grey solid wood kitchen cabinets with soft closing doors and stainless steel appliances. Spacious living room with views of green space and quiet part of the building, patio door leads out to deck area. Large master bedroom with walk thru closet leading to 3 piece bathroom with soaker tub and granite countertops. 2nd bedroom on opposite side and another 3 piece bathroom with stacked washer and dryer. 1 heated underground titled parking spot. Well maintained Unit, like brand new inside. MLS#C4026765

airdrie Living

$223,900

$314,900

SherwoodBeautiful 2 bedroom, 2 bathroom apartment condo on the top floor overlooking the courtyard. Very bright & open plan, 9 ft ceilings. Breakfast eating bar with maple kitchen cabinets & granite counter tops open to large dining area & huge great rm w/ patio doors leading out to the balcony overlooking the courtyard. Large master bedroom with walk through his & hers closet & 4 pc en-suite bath. Good sized 2nd bedroom w/ 4 pc bathroom. In-suite laundry & storage rm. Underground heated 1 1/2 over sized titled parking stall ideal for large vehicle or for wheelchair access. Caged storage locker at front of stall & next to the elevator. Quiet location, easy access to Beacon Hill, Crowfoot & Stoney Trail. Ideal for 1st time buyer or professional couple. Exceptional value! MLS#C4023752

BeautifuL Condo in Sherwood!

$277,900

CranSton2 storey home with 3 bedrooms, 3 bathrooms, bonus room and double attached garage in the family friendly neighborhood of Cranston. Bright and open plan. Main floor with hardwood floors and ceramic tile. Gourmet kitchen with centre island, corner pantry and stainless steel appliances open to large nook area. Door off nook to huge south facing backyard with deck and firepit. Spacious family room with gorgeous centre fireplace. Main floor laundry room and 2 piece powder room. Gorgeous staircase leading upstairs to large bonus room and spacious master bedroom with 4 piece ensuite with soaker tub, glass shower and walk in closet. 2 other good sized bedrooms and 4 piece main bath. The basement is unfinished with rough in for bathroom. This home is situated close to all amenities including Sobeys, pet store, pub and more. Walking distance to both school boards schools. Close to Fish Creek Park and new the South Campus Hospital. Easy access. Great family home. MLS#C4024251

great famiLy home!

$477,900

downtown570 sq ft, 1 bedroom, 1 bathroom condo located on the top floor of brick building in the heart of Chinatown. Secure building, insuite laundry. Laminate flooring throughout, large bedroom with big wardrobe closet. Bright, open plan with lots of natural light. Close to Eau Claire, river pathway and walk to work downtown. MLS#C4021128downtown apartment!

$184,900


overLooking goLf CourSe!

$529,900

SaddLeridge Great location! Detached bi-level with double attached garage on corner lot in Saddleridge.Open floor plan with large foyer, living room, dining nook and all appliances included. In addition, master bedroom with two piece ensuite, large second bedroom and four piece bath complete main floor. The lower level has two framed bedrooms, roughed in plumbing, laundry and storage. Large rear deck and fully fenced backyard for kids and pets. A short walk to C-Train and shopping center. MLS#C4024302

great LoCation!

$396,000

garriSon woodSExecutive air conditioned townhouse in desirable Garrison Woods. Great corner unit with many upgrades. 2nd level with upgraded gourmet kitchen with stainless steel appliances, upgraded cabinets, under counter reverse osmosis and water softener. large eat in nook. Spacious living room with gas fireplace. Large master bedroom with walk in closet and 5pc ensuite. Main floor with huge family room, guest bedroom and 4pc bath and laundry. Single attached garage. Walking distance to Starbucks and restaurants. Pet friendly complex. MLS#C4008296

many upgradeS!

$549,900

SpruCe CLiffThis unit has Breathtaking views of Downtown, the Bow River & Shaganappi Golf Course. Live in this desirable urban community step from the underground C-Train Station, walking distance to Westbrook Mall including Wal-Mart & Safeway and minutes to downtown. Modern condo living with A/C and TWO titled underground parking stalls. Stylish kitchen features Stainless Steel appliances and granite countertops. The Nook has room for a large table great for entertaining. Great sized Balcony looking out to the amazing views. Living room with a corner gas fireplace. Master bedroom with large walk-in closet and 4pc ensuite finished with granite countertops. Second bedroom is a great size. 3pc bath with granite. In suite laundry. Many amenities such as swimming pool, hot tub, gym, games room, bike storage, storage locker, 24 hour on site security and on-site caretaker. Amazing building with a lot to offer. Exceptional value! MLS#C4017343

Breathtaking viewS!

$449,000

SunSet ridge-CoChrane Brand new Fairfax 3 Landmark home with over 2300 sq ft and walkout basement. Front oversized double garage with extra wide driveway. Triple pane windows, high efficiency furnace and tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops and large island open to great room with gas fireplace. Walk thru pantry. Hardwood floors throughout main floor. 2pc powder room. Upstairs boasts a large bonus room. Master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 2 additional bedrooms and 4pc main bath. 2nd floor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4020738

Limited time offer!

$549,900


$588,800

Limited time offer!

$589,900

Limited time offer!

$629,900


$589,900

Len T. WongBroker

Laura o’ConneLLAssociate/Partner

prominenCe patterSonExecutive 2 bedroom and 2 bathroom 2nd floor apartment condo with city views and large deck in showhome condition. Original owners. Concrete building with heated underground parking stall and large storage locker. Very bright and open plan with lots of windows. Bright, sunny kitchen with breakfast eating bar open to large dining area and huge great room with gas fireplace. French door leading out to large deck with city views. Large master bedroom with 3pc ensuite and separate walk in closet. Good sized 2nd bedroom and 4pc main bath. Insuite laundry. Newer carpets throughout. Pride of ownership shown throughout. Ideal for the professional couple or mature couple. 1 underground, heated parking stall and large storage locker. Quiet building and location. Exceptional value! MLS#C4021663

exeCutive Condo!

$469,900

CranSton2 storey home with 3 bedrooms, 3 bathrooms, bonus room and double attached garage in the family friendly neighborhood of Cranston. Bright and open plan. Main fl oor with hardwood fl oors and ceramic tile. Gourmet kitchen with centre island, corner pantry and stainless steel appliances open to large nook area. Door off nook to huge south facing backyard with deck and fi repit. Spacious family room with gorgeous centre fi replace. Main fl oor laundry room and 2 piece powder room. Gorgeous staircase leading upstairs to large bonus room and spacious master bedroom with 4 piece ensuite with soaker tub, glass shower and walk in closet. 2 other good sized bedrooms and 4 piece main bath. The basement is unfi nished with rough in for bathroom. This home is situated close to all amenities including Sobeys, pet store, pub and more. Walking distance to both school boards schools. Close to Fish Creek Park and new the South Campus Hospital. Easy access. Great family home. MLS#C4024251

Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.


garriSon woodSExecutive air conditioned townhouse in desirable Garrison Woods. Great corner unit with many upgrades. 2nd level with upgraded gourmet kitchen with stainless steel appliances, upgraded cabinets, under counter reverse osmosis and water softener. large eat in nook. Spacious living room with gas fi replace. Large master bedroom with walk in closet and 5pc ensuite. Main fl oor with huge family room, guest bedroom and 4pc bath and laundry. Single attached garage. Walking distance to Starbucks and restaurants. Pet friendly complex. MLS#C4008296

SunSet ridge-CoChrane Brand new Fairfax 3 Landmark home with over 2300 sq ft and walkout basement. Front oversized double garage with extra wide driveway. Triple pane windows, high effi ciency furnace and tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops and large island open to great room with gas fi replace. Walk thru pantry. Hardwood fl oors throughout main fl oor. 2pc powder room. Upstairs boasts a large bonus room. Master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 2 additional bedrooms and 4pc main bath. 2nd fl oor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4020738

panorama hiLLSExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bedrooms, 4 baths and bonus room. Very bright and open plan. Dining/fl ex room as you enter the home. Bright, sunny kitchen with centre island and breakfast eating bar open to large eating area and huge great room with gas fi replace and built in speakers. French door leading out from eating area with Phantom screen to large Duradeck with metal railings and glass panels. Staircase leading upstairs to large bonus room. Large master bedroom with 5pc ensuite with large soaker tub and separate shower and huge separate walk in closet. 2 other good sized bedrooms and 4pc bath. Professionally developed basement with family room, den area, 2 bedrooms and 3pc cheater ensuite. Stucco exterior. Pride of ownership shown throughout. Quiet location. Walking distance to schools and close to amenities. Excellent family home! Exceptional value! MLS#C4021740


$588,800

CranStonREDUCED FROM $629,900. BELOW APPRAISED VALUE! Landmark Homes Solar Powered Willowdale. 80% to 90% more energy effi cient than an average new Alberta home. This home generates enough energy to meet the homes annual electricity needs. It loses less heat with triple pane windows. It has better indoor air quality, the heat recovery ventilator reduces allergens while saving energy by transferring heat from outgoing air to fresh incoming air. This home also uses less water. Water consumption is lowered with Kohler low fl ow faucets and shower heads and low fl ow 1.28 litre effi cient toilets. This 2 storey has 4 bedrooms,3 baths and bonus rm. Beautiful kitchen w/ centre island open to eating area and great room with gas fi replace. Spacious bonus room. Large master bedroom with 4pc ensuite and walk in closet. 2 other good sized bedrooms and 4pc bath. Second fl r laundry room. 2yr builders warranty and 10yr New Home Warranty. Close to all amenities and easy access. Great family home! MLS#C4020708

Limited time offer!

$589,900

SunSet ridge-CoChraneBrand new The Harmony Landmark home with over 2500 sq ft. Double attached garage with extra wide garage. Triple pane windows, high effi ciency furnace and tankless hot water. 4 bedrooms, main fl oor den, bonus room and 3 bathrooms. Upgraded kitchen with soft close hinges, granite countertops with large island. Open concept great room with tiled surround fi replace. Hardwood fl oors throughout main fl oor. 2pc powder room. Upstairs you will fi nd a large bonus room. Spacious master bedroom with 5pc ensuite with soaker tub, separate shower and walk in closet. 3 other good sized bedrooms and 4pc main bath. 2nd fl oor laundry room. Undeveloped walkout basement provides lots of natural light awaiting your development. Includes builder’s warranty and New Home Warranty. MLS#C4020734

Limited time offer!

$629,900

downtownExecutive air conditioned 2 bedroom and 2 bathroom condo in the SE corner of Tower II at Waterfront on the 10th fl oor. Views of city skyline and Centre Street bridge and river. Gourmet kitchen with large island with quartz countertops and premium concealed appliances behind custom millwork open to separate eating area and large great room with gas fi replace. Very bright and open plan. Full length windows throughout. Large balcony with gasline for BBQ. Large master bedroom with 4pc ensuite with large soaker tub and separate shower. His and hers closets. 2nd bedroom is ideal for den with a cheater ensuite. Insuite laundry. 1 underground parking stall and storage locker. Located between Calgary’s downtown core and Prince’s Island Park. Fully equipped fi tness centre, yoga studio, indoor whirlpool and steam rooms, private movie theater and executive concierge. Ideal for the professional. Exceptional value. MLS#C4023701


$589,900

weSt SpringSStunning, attached air conditioned bungalow with fully developed basement and double attached garage located on a huge pie shaped lot with incredible 2 tiered deck with tons of room for entertaining with gas fi repit and LED lights. 3 bedrooms, 3 baths and main fl oor den. Hardwood fl oors throughout. Beautiful maple kitchen with granite, stainless steel appliances including gas stove, subway tiled backsplash and walk in pantry. Spacious eat in nook with sliding doors out to patio. Kitchen open to family room with grand stone fi replace to the ceiling. Main fl oor den. Large master bedroom with 4pc ensuite with tiled fl oors and walk in closet. Fully fi nished basement with 2 bedrooms, 4pc bath and large rec room with gas fi replace and wet bar. Professionally landscaped extremely private pie shaped yard with underground sprinklers and storage shed. This home is located on a quiet cul de sac and close to all amenities. MLS#C4026596

Stunning BungaLow!

$689,900

woodLandSRare opporunity to renovate the home you want backing onto Canyon Meadows Golf Course!This home has great potential in this 2 storey split house over 2500 sqft.3 bedrms & 3 bathrms.Very bright & open plan, vaulted ceilings in the sunken living rm & stone fp separating the dining rm.2 Storey catherdral feel in the foyer entrance.Ktchn with *** open to eating area & sunken family rm w/fp built-ins & wet bar. French drs leading out to huge backyrd overlooking golf course.2 pc powder rm & main fl r laundry w/sink. Gogeous spiral** staircase leads up to lrg mster bedrm w/ decks at the front & back of the house.His & hers closet w/ 4 pc ensuite bathrm w/jetted tub & shower.2 other good sized bedrms w/french drs leading out to deck w/4 pc bathrm w/sky light.Basementis unfi nished w/2 furnaces & 1 rm is partially developed w rough-in fp.Oversized dbl attchd grg.Located in cul-de-sac.This home has lots of potential.There will be no warranties & representation.Property brought as-is.Quiet location, Exceptional Value! MLS#C4023768

renovate your dream home!

$650,000

tuxedoExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo. Very bright & open plan. Recently painted throughout,new lights,new hardwd fl oors throughout main fl r.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry, 2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm. Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage. Home built w/sound reducing brick common wall. Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot! Exceptional Value! MLS#C4022815

extenSiveLy updated home!

$639,900

prominenCe patterSonExecutive 2 bedroom and 2 bathroom 2nd fl oor apartment condo with city views and large deck in showhome condition. Original owners. Concrete building with heated underground parking stall and large storage locker. Very bright and open plan with lots of windows. Bright, sunny kitchen with breakfast eating bar open to large dining area and huge great room with gas fi replace. French door leading out to large deck with city views. Large master bedroom with 3pc ensuite and separate walk in closet. Good sized 2nd bedroom and 4pc main bath. Insuite laundry. Newer carpets throughout. Pride of ownership shown throughout. Ideal for the professional couple or mature couple. 1 underground, heated parking stall and large storage locker. Quiet building and location. Exceptional value! MLS#C4021663

DISCOVER THE ADVANTAGE

CapitoL hiLLShowhome condition 2 storey home in great location. This home shows like new. Freshly painted throughout. Main fl oor with den/dining room with double French doors. Stunning gourmet kitchen with granite island and newer stainless steel appliances with gas stove. Kitchen open to large great room with gas fi replace. Newer Hunter Douglas blinds. Back entry with bench storage. Second level with skylight and vaulted ceilings. Huge master bedroom with walk in closet and 4pc ensuite. 2 other good sized bedrooms and 4pc bath. Second fl oor laundry room with sink. Fully developed basement with family room with gas fi replace, 2 bedrooms and 3pc bath. Landscaped, fenced backyard with patio. Double detached garage. New shingles on garage. Close to all amenities and easy access. Excellent value! MLS#C4021753

great LoCation!

$699,900

Windsor Park bungalow

offers multiple possibilities for redevelopment

Nestled in the heart of one of the most attractive areas in southwest Calgary, this charming bungalow sits on a 50-ft. lot and offers lots of opportunity for homeowners or investors.

“This is a really bankable piece of land in Windsor Park, with multiple possibilities and flexible redevelopment,” says luxury home realtor Ray Riley of Royal LePage Foothills. “It’s on a huge 50-ft. lot and zoned R/C2 so it allows the buyer to look at tearing down the home and building a new single-family home, two homes or a side-by-side home.

“Windsor Park is redeveloping with a number of very big infills going up priced above the $1-million mark, so it’s seeing a resurgence and this property is ideal for someone who wants to


featureproperty

have a home they can live in, run a business, start a family and eventually down the line tear down and redevelop,” Ray says.

As well, because there is potential to expand in a number of different directions, he notes that it would be an attractive property for an investor or builder who may look to tear down and put up two homes or a duplex.

“The location is bordered by Chinook Centre and Meadowlark Park to the south, Elboya to the north and on the west side are homes backing onto the Calgary Golf & Country Club, so it’s a very appealing area and you’re not far from downtown,” Ray adds. “It’s just a five-minute walk to the Chinook Centre and the Britannia shopping centre, so owners have quick access to an array of shops, services and restaurants

The property itself also offers a tremendous opportunity for those who want run a business from their home as there is an impressive quadruple-car garage in the back; half of which has been developed as a showroom.





and there is the LTR close by, as well as easy access to Elbow Drive, McLeod Trail and Glenmore Trail; so it’s conveniently located and very central to a lot of amenities.”


“The quadruple garage has been drywalled, insulated, heated and wired for cable,” Ray explains. “It has been separated into two different sides – one side you can still park two cars in, but it’s separate from the showroom side.”

The showroom side of the garage has two skylights in the vaulted ceiling, a black and white checkered floor and is ideal for a home business, or a showplace for your classic car or bikes. The space is also flexible so it can be used as an awesome man cave or games room.

Meanwhile, the bungalow offers 822 sq. ft. on the main level with a fully developed lower level.

The main floor boasts hardwood floor throughout, a beautiful maple kitchen with appliances included (fridge, stove and dishwasher), and there is a mantle/surround over a corner gas fireplace in living room. There are also two bedrooms, although the second bedroom is currently being used as a formal dining room, and a four-piece bathroom with maple cabinetry.

Downstairs it features a rec room (currently being used as another bedroom), another bedroom and a three-piece bathroom.

Outside, the home sits on a flat parcel with a south-facing, fenced backyard and a large deck. The home is surrounded by mature trees, shrubs and landscaping and there is parking on a driveway in front of the house.

For more information on this Windsor Park bungalow, at 735 55 Ave. S.W., contact Ray Riley, Royal LePage Foothills, 403-270-7601, or visit rayriley.com.


Windsor Park bungalow

offers multiple possibilities for redevelopment

Nestled in the heart of one of the most attractive areas in southwest Calgary, this charming bungalow sits on a 50-ft. lot and offers lots of opportunity for homeowners or investors.

“This is a really bankable piece of land in Windsor Park, with multiple possibilities and flexible redevelopment,” says luxury home realtor Ray Riley of Royal LePage Foothills. “It’s on a huge 50-ft. lot and zoned R/C2 so it allows the buyer to look at tearing down the home and building a new single-family home, two homes or a side-by-side home.

“Windsor Park is redeveloping with a number of very big infills going up priced above the $1-million mark, so it’s seeing a resurgence and this property is ideal for someone who wants to


featureproperty









and there is the LTR close by, as well as easy access to Elbow Drive, McLeod Trail and Glenmore Trail; so it’s conveniently located and very central to a lot of amenities.”


“The quadruple garage has been drywalled, insulated, heated and wired for cable,” Ray explains. “It has been separated into two different sides – one side you can still park two cars in, but it’s separate from the showroom side.”

The showroom side of the garage has two skylights in the vaulted ceiling, a black and white checkered floor and is ideal for a home business, or a showplace for your classic car or bikes. The space is also flexible so it can be used as an awesome man cave or games room.

Meanwhile, the bungalow offers 822 sq. ft. on the main level with a fully developed lower level.

The main floor boasts hardwood floor throughout, a beautiful maple kitchen with appliances included (fridge, stove and dishwasher), and there is a mantle/surround over a corner gas fireplace in living room. There are also two bedrooms, although the second bedroom is currently being used as a formal dining room, and a four-piece bathroom with maple cabinetry.

Downstairs it features a rec room (currently being used as another bedroom), another bedroom and a three-piece bathroom.

Outside, the home sits on a flat parcel with a south-facing, fenced backyard and a large deck. The home is surrounded by mature trees, shrubs and landscaping and there is parking on a driveway in front of the house.

For more information on this Windsor Park bungalow, at 735 55 Ave. S.W., contact Ray Riley, Royal LePage Foothills, 403-270-7601, or visit rayriley.com.


ASK YOURSELF THIS... When you’re redesigning your space, start with the most important room. Do you entertain often? Then focus on the living room. Alternatively, if quiet nights at home seem more like you, then start with the bedroom.

SPLURGE FIRST If you find a pricey item that you simply must have in your home, consider how you can re-work the pieces you already have in that room around that new purchase. You might be surprised with the results.

LIVE IN YOUR SPACE FIRST It’s always exciting to furnish a new place, but we sometimes go overboard with purchases that are less than practical. If you can go a few months with the basics, you’ll soon realize what you can and can’t live without.

AT A RECENT CALGARY EVENT, PART OF A SERIES BY GABLECRAFT AT THE BRIDGELAND CROSSING SALES CENTRE, INTERIOR DESIGNER AND STYLIST ERICA COOK SHARED NINE TIPS ON DESIGN AND MAKING YOUR SPACE MEANINGFUL WITHOUT BLOWING YOUR BUDGET.

B Y C A I T L I N B E S T





stylefile

1 4

2 5

3 6


DEERFOOT TR

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

Abbeydale ....................................664Albert Park ...................................730Applewood ..................................768Calgary International Airport ....624Castleridge ..................................676Castleridge Estates .....................678Coral Springs ..............................688Deerfoot/Skyline Ind Park ..........615Dover ...........................................738Dover Glen ..................................736Eastfi eld .......................................748Erin Woods ..................................740Falconridge ..................................680Fonda ...........................................726Forest Heights .............................762Forest Lawn .................................764Franklin/Meridian Ind Park ........630Horizon Industrial Park ..............640Jacksonport..................................690Marlborough ...............................660Marlborough Park .......................662Martindale ...................................682

Mayland Heights ........................600Mayland Heights East ................604McCall/Airways Ind Park ...........610Monterey Park .............................670Penbrooke....................................766Pineridge .....................................668Radisson Heights ........................728Red Carpet/Mountview Mhp .....770Rundle .........................................666Saddle Ridge ...............................645Southview....................................732Saddle Ridge Ind ........................625Stoney Industrial/Westwinds .....625Skyview Ranch ...........................692Stone Gate Landing ...................691Sunridge Industrial Park ............635Taradale .......................................684Temple .........................................674Valleyfi eld ....................................744Vista Heights ...............................605West Dover ..................................734Whitehorn ...................................672


703-0455Certified Condominium Specialist3rd Generation Calgary Realtor

JAMES COTE

To view these properties go to: www.jamescote.com

HOUSE OF REAL ESTATE

www.jamescote.com

ROYAL OAKIMMACULATE TOWNHOUSE!!

$304,900IMMACULATE CONDITION!! Clean and very well maintained, this beautiful 2 bedroom townhouse shows pride of ownership! Inviting floor plan with great flow and a complete use of space. Some of the features of this condo unit are: 2 parking stalls - A large living room with feature corner fireplace - a breakfast nook that fits a large table - a west facing back deck - 2

piece main floor bathroom - low condo fees. The gourmet kitchen is stylishly designed with black appliances and maple cabinets and has lots of counter space. The upper level features 2 big bedrooms that both feel like master suites, each having a walk-in closet. Both bedrooms share an oversized 4 piece en-suite bathroom. Tons of storage and laundry in the basement. This unit has been pet and smoke free. Shopping amenities, restaurants and city transit are all within a short walking distance. Don’t let this one pass you by! Book a showing today!!

EDGEWATER - AIRDRIE

4 BEDROOM + DEN CORNER LOT!

$369,900CORNER LOT!! Welcome to the beautifully established neighborhood of Edgewater! You won’t want to miss this 4 Bedroom + Den, 2 1/2 Bathroom Bungalow, with over 2,200 sq.ft. of living space! The main floor includes: Large

Living Room w/ Vaulted Ceiling, Kitchen w/ Dining Area, Huge Master Bedroom w/3 pce. Ensuite & Walk-In Closet and 2 good sized Bedrooms. The basement includes: Over-Sized Family/Rec Room, another Huge Bedroom, a Den/Office and a 2 pce. Bathroom. A Double Attached Garage and newly painted backyard Deck completes the package! New roof completed May 2015. Upstairs windows, interior doors and garage door new in 2011. Cement retaining wall and fence new in 2010. There is a cement pad for a tent trailer on the NE corner of the property and the back deck is wheelchair accessible. Home backs onto pathway to the park/playground which is just steps away. Close to schools, shopping, transportation & amenities. Don’t miss out! Put this one on your list!!

SILVERADOCORNER LOT! GREAT VIEWS!

$554,900CORNER LOT HOME ON A QUIET STREET WITH GREAT VIEWS!! This beautiful 2 storey, 3 bedroom home has upgraded finishing and over 2020 sq.ft. of living space. Hardwood floors throughout the main level, this open concept floor plan has great flow and a complete use of space. Stunning Kitchen with granite tops, all LG stainless steel appliances, darkwood cabinets, island w/eating bar, modern tile

backsplash and a walk-thru pantry. A dining room, 2 pce. bathroom, laundry/mud room, double attached garage and a west exposure backyard that faces Spruce Meadows completes the main level. The upper level boasts 3 bedrooms, a 4 pce. bathroom and a spacious bonus room that leads to a huge dura-deck balcony with an amazing view! The master bedroom has more great country views, a walk-in closet and a 5 pce. ensuite with corner soaker tub, separate shower and his & her sinks. The home also comes with an extended New Home Warranty that expires August 30, 2021! This home will impress! Book a viewing today!!





FANCY SCHAMNCY Don’t be afraid to make old things new again. A recent trend has involved people sourcing old army surplus cots and giving them a fresh look with decorative throw pillows. Be creative! RETURN POLICIES Unbeknownst to many shoppers, when you make a return to certain design shops, you can be charged a re-stocking fee. Before you buy, make sure to confirm this policy with the sales staff. MIRRORS Hanging mirrors can be one of the most expensive things about home decor. A leaning mirror will give you a similar effect at a fraction of the price. For more clever tips on making your home fabulous, follow Erica on her blog Moth Design, at moth-design.com

7

8

9

TRANS CANADA HI

SARCEE TR

GLENMORE TR

SPRUCE MEADOWS TR

MACLEOD TR

MeadowlarkPark

Parkhill / Stanley Park

Roxboro

UpperScarboro West

End

ErltonMission

Kingsland

GarrisonGreen

Crestmont


Altadore/River Park ....................019Aspen Woods .............................073Bankview .....................................015Bayview .......................................129Bel Aire ........................................110Braeside .......................................135Bridlewood ..................................161Britannia ......................................105Canyon Meadows .......................125Canyon Meadows Estates ..........127Cedarbrae ....................................145Cfb Currie ....................................020Chinook Park ..............................117Christie Park ...............................052Cliff Bungalow ............................004Coach Hill ...................................049Connaught ..................................003Cougar Ridge ..............................071Crestmont ...................................081Discovery Ridge ..........................070Downtown ..................................001East Village ..................................006West End .....................................012Eagle Ridge .................................119Eau Claire ....................................002Elbow Park...................................005Elboya ..........................................103Erlton ...........................................101Evergreen ....................................157Evergreen Estate .........................151Garrison Green ...........................024Garrison Woods ..........................018Glamorgan ..................................045Glenbrook ...................................043

Glendale ......................................041Haysboro .....................................121Kelvin Grove ...............................115Killarney ......................................027Kingsland ....................................113Lakeview .....................................031Lakeview Village .........................033Lincoln Park ................................021Lower Mount Royal ....................010Mayfair .........................................111Meadowlark Park ........................109Millrise .........................................153Mission ........................................014Mount Royal ................................007North Glenmore Park .................022Oakridge ......................................143Oakridge Estates ........................141Palliser ..........................................133Park Hill/Stanley Park .................104Patterson ......................................047Pump Hill ....................................131Richmond ....................................029Richmond Hill .............................057Rideau Park .................................102Rosscarrock .................................037Roxboro .......................................100Rutland Park ................................028Scarboro ......................................011Shaganappi .................................025Shawnee Slopes ..........................151 Shawnessy ...................................155Signal Hill ....................................053Signature Parke ...........................055Silverado ......................................165Somerset ......................................159South Calgary .............................017Southwood ..................................123Springbank Hill ...........................065Spruce Cliff ..................................023Strathcona Park ...........................051Sunalta .........................................009The Slopes ...................................067Upper Scarboro ...........................013Victoria Park ................................008West Springs ...............................075Westgate ......................................039Wildwood . ..................................035Windsor Park ...............................107Woodbine ....................................147Woodlands...................................139

Mortgage SpecialiSt

Call (403) 863-1293 Today!Need a mortgage?

email:[email protected]

PRO LINK MORTGAGE


TRANS CANADA HI

SARCEE TR

GLENMORE TR

SPRUCE MEADOWS TR

MACLEOD TR

MeadowlarkPark

Parkhill / Stanley Park

Roxboro

UpperScarboro West

End

ErltonMission

Kingsland

GarrisonGreen

Crestmont


Altadore/River Park ....................019Aspen Woods .............................073Bankview .....................................015Bayview .......................................129Bel Aire ........................................110Braeside .......................................135Bridlewood ..................................161Britannia ......................................105Canyon Meadows .......................125Canyon Meadows Estates ..........127Cedarbrae ....................................145Cfb Currie ....................................020Chinook Park ..............................117Christie Park ...............................052Cliff Bungalow ............................004Coach Hill ...................................049Connaught ..................................003Cougar Ridge ..............................071Crestmont ...................................081Discovery Ridge ..........................070Downtown ..................................001East Village ..................................006West End .....................................012Eagle Ridge .................................119Eau Claire ....................................002Elbow Park...................................005Elboya ..........................................103Erlton ...........................................101Evergreen ....................................157Evergreen Estate .........................151Garrison Green ...........................024Garrison Woods ..........................018Glamorgan ..................................045Glenbrook ...................................043

Glendale ......................................041Haysboro .....................................121Kelvin Grove ...............................115Killarney ......................................027Kingsland ....................................113Lakeview .....................................031Lakeview Village .........................033Lincoln Park ................................021Lower Mount Royal ....................010Mayfair .........................................111Meadowlark Park ........................109Millrise .........................................153Mission ........................................014Mount Royal ................................007North Glenmore Park .................022Oakridge ......................................143Oakridge Estates ........................141Palliser ..........................................133Park Hill/Stanley Park .................104Patterson ......................................047Pump Hill ....................................131Richmond ....................................029Richmond Hill .............................057Rideau Park .................................102Rosscarrock .................................037Roxboro .......................................100Rutland Park ................................028Scarboro ......................................011Shaganappi .................................025Shawnee Slopes ..........................151 Shawnessy ...................................155Signal Hill ....................................053Signature Parke ...........................055Silverado ......................................165Somerset ......................................159South Calgary .............................017Southwood ..................................123Springbank Hill ...........................065Spruce Cliff ..................................023Strathcona Park ...........................051Sunalta .........................................009The Slopes ...................................067Upper Scarboro ...........................013Victoria Park ................................008West Springs ...............................075Westgate ......................................039Wildwood . ..................................035Windsor Park ...............................107Woodbine ....................................147Woodlands...................................139

For more information on current listings - or to chat directly anytime, please call Don at 403.256.3888 or 403.540.1813

BASED ON CALGARY MARKET SHARE

MCKENZIE LAKE4 BEDROOMS UP MOUNTAIN PARK ESTATES MT DOUGLAS BEAUTYSuper family home in even better family Lake Community! Four spacious bedrooms up and 5th down with 2 piece ensuite. Well Maintained and beautifully presented. Upgraded bathrooms up. Quality wood laminate and tile floors. Central air, super private back yard. Jetted tub in spacious master ensuite bathroom. Spacious raised oak kitchen. Flexible dog run. Storage shed. Built-ins around wood burning fireplace with gas light. RV parking.

One of a kind custom home! Total of 4000 sq ft., 14 rooms, 4 full baths, 3 fireplaces, many upgrades, steam shower, central air, totally wired for sound, backing on green belt and within sight of the Bow River with miles of bike/hike pathways. Lake privileges! Over 1700 sq.ft. of hardwood, granite contertops, dowble wall ovens, Jenn Air cooktop.

Gorgeous Home with lots of gleaming hardwood, granite counters, upgraded appliances. oversized garage with unique, round about drive. Beautiful bright bonus room. Developed down including new carpet and ensuite off the guest bedroom. One block to middle school one way and one block to the Bow River pathways the other way. Fresh paint and exterior trim and siding. Sunny south and west exposure.

$498,700 $828,800 $519,900

[email protected]

102, 279 Midpark Way SECalgary AB, T2X 1M2

Don Lothian LANDAN REAL ESTATE

102, 279 Midpark Way SECalgary AB, T2X 1M2

LANDAN REAL ESTATE

Need more great listings to SELL!


Whether you’re renting or buying,fi nding your next home has never been so easy.

startyour search here.

[email protected]

all subject to change, lender qualifications will apply

NEED A MORTGAGE?Call (403) 863-1293 Today!

PRO LINK MORTGAGE Five Year Fixed Rate

2.64%My experience and service will work for you.

mortgageadvice

Interest rate cuts, mortages and you

On Wednesday, July 15, the Bank of Canada (BoC) announced it it would cut the target for the overnight lending rate from 0.75 per cent to 0.50 per

cent. This was just the second such rate cut since 2010, with the BoC most recently cutting rates from one per cent to 0.75 per cent margin in January.

January’s rate cut came as a surprise, but this most recent move had been anticipated in the weeks leading up to the announcement. Lower oil prices have led the Canadian economy into a slump, prompting debates over whether we are in a recession. That argument has mostly come down to the definition of the word – a recession is technically defined as two consecutive quarters of negative GDP growth. The BoC was careful not to use the R word in its announcement, but acknowledged the economy is under-performing and an interest rate cut was necessary to “help return the economy to full capacity and inflation sustainably to target.”

The rate cut has mixed effects, however. Last month, BoC Governor Stephen Poloz compared January’s rate cut to “life-saving surgery,” noting that the positive benefits outweighed any side effects such as increased levels of consumer debt. Since mortgage rates are closely tied to the BoC’s overnight rate, the housing market will also be affected. In Toronto and Vancouver where prices have been skyrocketing, a rate cut may only make the situation worse, putting ownership further out of reach for first-time homebuyers.

Prior to the announcement, it was unclear what a rate cut would mean for an already overstimulated housing market. But in the hours following the announcement, it became clear that homebuyers were eager to take advantage of lower mortgage rates. Traffic to ratehub.ca surged 300 per cent as

B Y A LY S S A R I C H A R D

Canadians searched for better mortgage deals in the hours following the announcement. Mortgage brokerage Butler Mortgage lowered its five-year variable mortgage rate by 0.10 per cent almost immediately, to 1.88 from 1.99 per cent. The drop translates to $1,320 savings in mortgage payments over a five-year term.

TD was the first of the major banks to lower their prime rate, cutting it by 0.10 per cent the day of the BoC announcement. Within a day, many banks had lowered their prime rate to 2.70 per cent.

Some remain unconvinced the cut will do enough for the average Canadian to save any money, or to stimulate the economy. Others worry the impact on the Toronto and Vancouver housing markets would increase disparity between those hot markets and the rest of the country, where real estate has been relatively stable.

So what does BoC’s latest announcement mean for you? If you have a variable rate mortgage, you can expect to save a few dollars a month when your interest rate drops. Interest rates on other variable rate loans (such as lines of credit) are also likely to drop, freeing up some cash. If you’re shopping for a house, your overall affordability will likely increase due to lower mortgage rates, but you may find that higher house prices quickly negate any advantage you might have had. The next rate announcement is Sept. 9.

Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

AS SOON AS POSSIBLE… notify family and friends, as well as this list below, that your address will be changing, either by phone or by mailing the change-of-address cards available at your local post office. The following checklist will serve as a convenient reminder:

Changing your address?Plan ahead to make your move as smooth as possible, and to avoid getting lost in the shuffle!

❏ Accountant

❏ Alumni Association

❏ Attorney

❏ Banks

❏ Lendinginstitutions

❏ Insurance companies

❏ Investment companies

❏ Canada Revenue Agency

❏ Stockbroker

❏ Credit card companies

❏ Update your driver’s license

❏ Employer

❏ Family doctor

❏ Dentist

❏ Veterinarian

❏ Frequent Flyer Program

❏ Magazine / newspaper subscriptions

❏ Catalogue merchants

❏ Place of worship

tips&tricks


G a r y

M a t tWilliams

Ca

lG

ar

yP

ro

Pe

rt

yF

or

Sa

le

.Ca

Call NoW For a Free

eValUatIoN oF yoUr CalGary

ProPerty

259.4141403

Elbow Park • $2,195,000Beautifully upgraded family home •nestled privately on a 12,400 Sq Ft estate River lot in coveted Elbow Park.Timeless 2 storey centre hall plan •boasting 3,628 Sq Ft of developed living space.Enjoy the private back gardens sloping •down to the River.This gracious home has too many •features to list! Call for more information!

Mount royal • $1,975,000An elegant 5 bedroom Tudor style •home with 3,778 Sq Ft of above grade living space in un-rivaled Mount Royal.The private 10,300 Sq Ft lot with WEST •backyard is beautifully landscaped with rundle stone retaining walls & brick patios/walkways.2002 renovated eat-in kitchen with •granite, custom cabinets, stainless steel appliances & large island. Infrastructure upgrades (last 2 years) •include new shingles, 2 furnaces + humidifiers, and tankless hot water.

SPringbank – rodEo ridgE • $459,000One of the last available lots in this •sought after estate community.

Backing onto Springbank •Golf Course, this 0.42 acre (18,295 Sq Ft) fully serviced lot is ready for a walk out home with stunning views.

Only 25 minutes from downtown •Calgary!

Elbow Park • $1,985,000Enjoy the privacy & privilege of Elbow •Park Lane, a quiet tree lined cul-de-sac with 7 luxury homes nestled by the River in East Elbow Park. This is a rare opportunity!3,084 Sq Ft 4 bedroom home with •attractive West Coast curb appeal.Significant infrastructure updates & •a brand new main floor boasts a custom designed gourmet kitchen, maple hardwood floors & much more!

Scarboro • $1,250,000Attractive 2 storey home on a •magnificent corner lot.Centre hall plan with spacious •living room, formal dining room, & family room adjacent to renovated kitchen.Large master suite with renovated •ensuite and walk in closet.Double detached garage & new •shingles.Upscale Inner City living at its finest!•

windSor Park • $252,500Beautifully renovated 2 bedroom •condo in quiet adult complex.Open concept kitchen with Quartz •counters + wood shaker cabinets.Defined Living/Dining spaces + large •balcony overlooking landscaped gardens.New windows/doors + underground/•secure parking.Steps to public transportation & easy •walk to Chinook Centre.

mortgageadvice

Interest rate cuts, mortages and you

On Wednesday, July 15, the Bank of Canada (BoC) announced it it would cut the target for the overnight lending rate from 0.75 per cent to 0.50 per

cent. This was just the second such rate cut since 2010, with the BoC most recently cutting rates from one per cent to 0.75 per cent margin in January.

January’s rate cut came as a surprise, but this most recent move had been anticipated in the weeks leading up to the announcement. Lower oil prices have led the Canadian economy into a slump, prompting debates over whether we are in a recession. That argument has mostly come down to the definition of the word – a recession is technically defined as two consecutive quarters of negative GDP growth. The BoC was careful not to use the R word in its announcement, but acknowledged the economy is under-performing and an interest rate cut was necessary to “help return the economy to full capacity and inflation sustainably to target.”

The rate cut has mixed effects, however. Last month, BoC Governor Stephen Poloz compared January’s rate cut to “life-saving surgery,” noting that the positive benefits outweighed any side effects such as increased levels of consumer debt. Since mortgage rates are closely tied to the BoC’s overnight rate, the housing market will also be affected. In Toronto and Vancouver where prices have been skyrocketing, a rate cut may only make the situation worse, putting ownership further out of reach for first-time homebuyers.

Prior to the announcement, it was unclear what a rate cut would mean for an already overstimulated housing market. But in the hours following the announcement, it became clear that homebuyers were eager to take advantage of lower mortgage rates. Traffic to ratehub.ca surged 300 per cent as

B Y A LY S S A R I C H A R D

Canadians searched for better mortgage deals in the hours following the announcement. Mortgage brokerage Butler Mortgage lowered its five-year variable mortgage rate by 0.10 per cent almost immediately, to 1.88 from 1.99 per cent. The drop translates to $1,320 savings in mortgage payments over a five-year term.

TD was the first of the major banks to lower their prime rate, cutting it by 0.10 per cent the day of the BoC announcement. Within a day, many banks had lowered their prime rate to 2.70 per cent.

Some remain unconvinced the cut will do enough for the average Canadian to save any money, or to stimulate the economy. Others worry the impact on the Toronto and Vancouver housing markets would increase disparity between those hot markets and the rest of the country, where real estate has been relatively stable.

So what does BoC’s latest announcement mean for you? If you have a variable rate mortgage, you can expect to save a few dollars a month when your interest rate drops. Interest rates on other variable rate loans (such as lines of credit) are also likely to drop, freeing up some cash. If you’re shopping for a house, your overall affordability will likely increase due to lower mortgage rates, but you may find that higher house prices quickly negate any advantage you might have had. The next rate announcement is Sept. 9.

Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

AS SOON AS POSSIBLE… notify family and friends, as well as this list below, that your address will be changing, either by phone or by mailing the change-of-address cards available at your local post office. The following checklist will serve as a convenient reminder:

Changing your address?Plan ahead to make your move as smooth as possible, and to avoid getting lost in the shuffle!

❏ Accountant

❏ Alumni Association

❏ Attorney

❏ Banks

❏ Lendinginstitutions

❏ Insurance companies

❏ Investment companies

❏ Canada Revenue Agency

❏ Stockbroker

❏ Credit card companies

❏ Update your driver’s license

❏ Employer

❏ Family doctor

❏ Dentist

❏ Veterinarian

❏ Frequent Flyer Program

❏ Magazine / newspaper subscriptions

❏ Catalogue merchants

❏ Place of worship

tips&tricks



DEERFOOT TR

MACLEOD TR

MARQUIS OF LORNE TR

Acadia ................................................215Auburn Bay .......................................365Chaparral ...........................................280Chaparral Valley ................................285Copperfi eld .......................................355Cranston ............................................360Deer Ridge ........................................265Deer River Estates.............................272Deer Run ...........................................270Diamond Cove ..................................252Douglas Glen ....................................320Douglas Ridge ...................................330Douglasdale Estates .........................325Fairview .............................................210Foothills Industrial Park ...................340Highfi eld ............................................205Inglewood .........................................200Lake Bonavista ..................................235Lake Bonavista Downs .....................245Lake Bonavista Estates .....................240Legacy ................................................295Lynnwood Ridge ...............................300Mahogany .........................................375Manchester ........................................207Maple Ridge ......................................230Mckenzie Lake ..................................335Mckenzie Towne ...............................345Midnapore .........................................255New Brighton ....................................350Ogden/Lynnwood .............................305Parkland .............................................260Quarry Park .......................................315Queensland .......................................250Ramsay ..............................................202Riverbend ..........................................310Seton ..................................................370Sundance ...........................................275Walden ...............................................290Willow Park .......................................220Willow Park Estates ..........................225

B R I T I S H C O L U M B I A & A L B E R T A

SEPTEMBER - OCTOBER 2015

Gleniffer Lake • Gull Lake • Sylvan Lake • Invermere/Columbia Valley • Okanagan Region • Vancouver Island

REAL PROPERTIES

My experience and service will work for you.

Call (403) 863-1293 Today!

Need a mortgage?

PRO LINK MORTGAGE

Five Year Fixed Rate

2.64%email: [email protected]



DEERFOOT TR

MACLEOD TR

MARQUIS OF LORNE TR

Acadia ................................................215Auburn Bay .......................................365Chaparral ...........................................280Chaparral Valley ................................285Copperfi eld .......................................355Cranston ............................................360Deer Ridge ........................................265Deer River Estates.............................272Deer Run ...........................................270Diamond Cove ..................................252Douglas Glen ....................................320Douglas Ridge ...................................330Douglasdale Estates .........................325Fairview .............................................210Foothills Industrial Park ...................340Highfi eld ............................................205Inglewood .........................................200Lake Bonavista ..................................235Lake Bonavista Downs .....................245Lake Bonavista Estates .....................240Legacy ................................................295Lynnwood Ridge ...............................300Mahogany .........................................375Manchester ........................................207Maple Ridge ......................................230Mckenzie Lake ..................................335Mckenzie Towne ...............................345Midnapore .........................................255New Brighton ....................................350Ogden/Lynnwood .............................305Parkland .............................................260Quarry Park .......................................315Queensland .......................................250Ramsay ..............................................202Riverbend ..........................................310Seton ..................................................370Sundance ...........................................275Walden ...............................................290Willow Park .......................................220Willow Park Estates ..........................225

B R I T I S H C O L U M B I A & A L B E R T A

SEPTEMBER - OCTOBER 2015

Gleniffer Lake • Gull Lake • Sylvan Lake • Invermere/Columbia Valley • Okanagan Region • Vancouver Island

REAL PROPERTIES

Nancy VieiraCall Nancy Direct (250) 514-4750for Victoria & Southern Vancouver Island

ISLAND LIVING AT its BEST! Make this the best move of your life!

Virtual tours at www.nancyvieira.com • [email protected] •Toll Free 1.800.665.5303Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Mill Bay 250.733.0770

Nancy Vieira Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Cobble Hill 250.743.3838

Call Nancy Direct (250)514-4750

Virtual tours at www.nancyvieira.com • [email protected] • Toll Free1.800.665.5303

LEVEL ENTRY RANCHER WITH WALK-IN BASEMENT$599,900 - 614 Parkway Place, Colwood

PLUS a 2-bedrm In-law and many extras in quiet and picturesque surroundings.High quality finishing, open floor plan-car garage plus ample driveway,landscaped lot, 2 decks & patio, skylights, plus so much more.

PRICELESS TREASURE OFFERED! $349,900 - 7230 Sea Cliff, East Sooke

Tranquil views of Whiffen Spit & Sooke Harbour from this .26 ACRE sunny southoceanfront lot. The Silver Spray Development has wonderful plans which willonly increase your investment. City water & hydro at lot. Southern tip ofVancouver Island.

STEPS FROM THE OCEAN$499,900 - 7062 Richview Dr, Sooke

Your own Private Park in your back yard! Just about an acre (.89) Steps from theever changing Whiffen Spit Park. Lots of land for farm style gardening. Toweringfir trees lead into a quiet glen where you find a private fire pit and an area tobuild a small cottage for your guests! RV, Boat or Yacht fit can easily fit!

PRIVACY $599,900 - 681 Seedtree, Sooke

Panoramic mountain views! 1.43 acre property with welcoming Kio pond &beautifully fenced garden. Level entry custom built, stunningly beautiful home withopen plan, 10 ft ceilings, solid oak flooring & gourmet kitchen. Spacious master onmain boasts ensuite with luxurious soaker tub & separate double shower.

SOUTH COAST PARADISE FOUND Chalets start at $299,900 - Trailhead, Jordan River

Located in a coastal temperate rain forest, Sooke enjoyssome of the mildest weather in Canada. "Nature at YourDoorstep" with west coast salmon fishing, whale andsea life watching, bird watching right at your doorstep.The Juan de Fuca Trail, West Coast Trail, beautiful westcoast beaches: China Beach, Mystic Beach, BotanicalBeach are all within a short hike or drive. ComeExperience the Pacific Coast surfing at Jordan River andSombrio Beach. Unlimited natural sightseeing or justrelax and unwind! Less than one and half hour scenicdrive to BC's capitol city, Victoria: Butchart Gardens,museums, music and arts festivals, world-class shoppingand dining. A short 20 minute drive from the small townof Sooke for dining,Art Galleries, Spas, grocery shopping,services, and the world famous Sooke Harbour House.Within 1 1/2 hours drive to numerous golf courses:Olympic View, Bear Mountain and Oak Bay. Get yourpiece of west coast paradise.

Open Saturday and Sunday 12 pm to 4 pm

Nancy Vieira Right 9/11/09 3:29 PM Page 1

$1,100,000. Dream acreage with 1500 FT. of oceanfront.

11 AcresSO

OKE

$1,600,000. 11 bed 9 bath, custom build with great attention to detail utilizing materials from actual property.

COBB

LE H

ILL

$849,900, Custom Executive home with gourmet kitchen on acre with full fi nished walk-out basement.

SOOK

E

$189,000 1.01 acres Gorgeous building lot next door to Fantastic French Beach Park on this South Island’s Wild West Side. Sandy beach just a 5 minute walk away. Drive out, walk up the path, breath in the sea air and buy this special place!!

FREN

CH B

EACH

$346,900. Over 1900 sq ft of living space with huge crawlspace. 4 Bed and Den with private living space.

SOOK

E

$600,000. 1800 Feet of rugged west coast oceanfront. 7.42 Acres sur-rounded on all sides by parklands.

PORT

REN

FREW

$550,000. 3.57 acres with older home located amongst the towering cedars and maples. Beautiful private estate.

SOOK

E

$155,000 Mobile! Duplex! Or Build Your Own Single Family Home! Vacant Lot. zoning al-lows duplex, home, mobile. no restrictions!

SOOK

E

$89,900 Studio with RV Site on 1 acre of

privacy on West Coast Road

FREN

CH B

EACH

$249,900, 7 bed 3 bath includes 2 bedroom suiteShort stroll to Oceanside

PORT

REN

FREW

$379,900. 4 Bed/3 Bath over 2000 sq ft of living space with a huge wrap around

deck overlooking private fenced yard.

SOOK

E

$299,900. 2 old timer cottages on 2.17 acres. ALR suitable for small

hobby farm

SOOK

E

$549,900. Walk to golf course, beach, Montesouri School, and church. Nice family

home with updates. Sunny fenced yard.

MET

CHOS

IN

$399,900. 4.27 pristine acres with old growth forest and meadows.

Municipal water.

SOOK

E

$162,000. 1 bed 1 bath, over 1 acre in a prime location,

Short walk to beach.

PORT

REN

FREW

$155,000. Seaside furnished one level entry townhome with hot tub

on patio facing ocean

UCLU

ELET

$322,000. Two bedroom end unit with ensuite in master.

Patio doors to private area.

SAAN

ICH

EAST

$199,900. 2 bed 2 bath. Top Floor condo with views. Over 1400 sq.ft.

Elevator. Underground secure parking.

DUNC

AN

$364,900. 3 bed/3 bath. Upper Legal Half Duplex. Ocean & Mtn Views. Engineered fl oors. Upper Legal Half Duplex (two storey). Sundeck. Private backyard. Top two fl oors. Only 1 left!

SOOK

E

NO FEES

$225,000. Ocean & Mountain view. Covered Deck. One level home on

large lot. Walk to beach.

PORT

REN

FREW

$429,900. Turn of the Century Carraige House with all the old time charm. Hot House and amazing fenced gardens.

VICT

ORIA

5 ACRE

SOLD

SOLD

SOLDNEW LIST

$519,900. Acreage plus level entry home with basement. Huge shop.

Gated property.

LANG

FORD

6 ACRESSOLD

SOLD SOLD

SOLD

$309,900. 3 Bedroom level entry home with new kitchen and full walk

out basement on huge corner lot.

DUNC

AN

SOLD

[email protected]

www.whisperingpines.ab.ca1-877-465-3991

KICK OFF TO SUMMER SALE - ON NOW

It`s All Here The only thing missing

is YOU

Alberta’s Most Unique Residential Resort Community

10-Ye

ars

FREE

GO

LF5-Years

FREE Boat Slip

Nancy VieiraCall Nancy Direct (250) 514-4750for Victoria & Southern Vancouver Island

ISLAND LIVING AT its BEST! Make this the best move of your life!

Virtual tours at www.nancyvieira.com • [email protected] •Toll Free 1.800.665.5303Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Mill Bay 250.733.0770

Nancy Vieira Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Cobble Hill 250.743.3838

Call Nancy Direct (250)514-4750

Virtual tours at www.nancyvieira.com • [email protected] • Toll Free1.800.665.5303

LEVEL ENTRY RANCHER WITH WALK-IN BASEMENT$599,900 - 614 Parkway Place, Colwood

PLUS a 2-bedrm In-law and many extras in quiet and picturesque surroundings.High quality finishing, open floor plan-car garage plus ample driveway,landscaped lot, 2 decks & patio, skylights, plus so much more.

PRICELESS TREASURE OFFERED! $349,900 - 7230 Sea Cliff, East Sooke

Tranquil views of Whiffen Spit & Sooke Harbour from this .26 ACRE sunny southoceanfront lot. The Silver Spray Development has wonderful plans which willonly increase your investment. City water & hydro at lot. Southern tip ofVancouver Island.

STEPS FROM THE OCEAN$499,900 - 7062 Richview Dr, Sooke

Your own Private Park in your back yard! Just about an acre (.89) Steps from theever changing Whiffen Spit Park. Lots of land for farm style gardening. Toweringfir trees lead into a quiet glen where you find a private fire pit and an area tobuild a small cottage for your guests! RV, Boat or Yacht fit can easily fit!

PRIVACY $599,900 - 681 Seedtree, Sooke

Panoramic mountain views! 1.43 acre property with welcoming Kio pond &beautifully fenced garden. Level entry custom built, stunningly beautiful home withopen plan, 10 ft ceilings, solid oak flooring & gourmet kitchen. Spacious master onmain boasts ensuite with luxurious soaker tub & separate double shower.

SOUTH COAST PARADISE FOUND Chalets start at $299,900 - Trailhead, Jordan River

Located in a coastal temperate rain forest, Sooke enjoyssome of the mildest weather in Canada. "Nature at YourDoorstep" with west coast salmon fishing, whale andsea life watching, bird watching right at your doorstep.The Juan de Fuca Trail, West Coast Trail, beautiful westcoast beaches: China Beach, Mystic Beach, BotanicalBeach are all within a short hike or drive. ComeExperience the Pacific Coast surfing at Jordan River andSombrio Beach. Unlimited natural sightseeing or justrelax and unwind! Less than one and half hour scenicdrive to BC's capitol city, Victoria: Butchart Gardens,museums, music and arts festivals, world-class shoppingand dining. A short 20 minute drive from the small townof Sooke for dining,Art Galleries, Spas, grocery shopping,services, and the world famous Sooke Harbour House.Within 1 1/2 hours drive to numerous golf courses:Olympic View, Bear Mountain and Oak Bay. Get yourpiece of west coast paradise.

Open Saturday and Sunday 12 pm to 4 pm

Nancy Vieira Right 9/11/09 3:29 PM Page 1

$1,100,000. Dream acreage with 1500 FT. of oceanfront.

11 Acres

SOOK

E

$1,600,000. 11 bed 9 bath, custom build with great attention to detail utilizing materials from actual property.

COBB

LE H

ILL

$849,900, Custom Executive home with gourmet kitchen on acre with full fi nished walk-out basement.

SOOK

E

$189,000 1.01 acres Gorgeous building lot next door to Fantastic French Beach Park on this South Island’s Wild West Side. Sandy beach just a 5 minute walk away. Drive out, walk up the path, breath in the sea air and buy this special place!!

FREN

CH B

EACH

$346,900. Over 1900 sq ft of living space with huge crawlspace. 4 Bed and Den with private living space.

SOOK

E

$600,000. 1800 Feet of rugged west coast oceanfront. 7.42 Acres sur-rounded on all sides by parklands.

PORT

REN

FREW

$550,000. 3.57 acres with older home located amongst the towering cedars and maples. Beautiful private estate.

SOOK

E

$155,000 Mobile! Duplex! Or Build Your Own Single Family Home! Vacant Lot. zoning al-lows duplex, home, mobile. no restrictions!

SOOK

E

$89,900 Studio with RV Site on 1 acre of

privacy on West Coast Road

FREN

CH B

EACH

$249,900, 7 bed 3 bath includes 2 bedroom suiteShort stroll to Oceanside

PORT

REN

FREW

$379,900. 4 Bed/3 Bath over 2000 sq ft of living space with a huge wrap around

deck overlooking private fenced yard.

SOOK

E

$299,900. 2 old timer cottages on 2.17 acres. ALR suitable for small

hobby farm

SOOK

E

$549,900. Walk to golf course, beach, Montesouri School, and church. Nice family

home with updates. Sunny fenced yard.

MET

CHOS

IN

$399,900. 4.27 pristine acres with old growth forest and meadows.

Municipal water.

SOOK

E

$162,000. 1 bed 1 bath, over 1 acre in a prime location,

Short walk to beach.

PORT

REN

FREW

$155,000. Seaside furnished one level entry townhome with hot tub

on patio facing ocean

UCLU

ELET

$322,000. Two bedroom end unit with ensuite in master.

Patio doors to private area.SA

ANIC

H EA

ST

$199,900. 2 bed 2 bath. Top Floor condo with views. Over 1400 sq.ft.

Elevator. Underground secure parking.

DUNC

AN

$364,900. 3 bed/3 bath. Upper Legal Half Duplex. Ocean & Mtn Views. Engineered fl oors. Upper Legal Half Duplex (two storey). Sundeck. Private backyard. Top two fl oors. Only 1 left!

SOOK

E

NO FEES

$225,000. Ocean & Mountain view. Covered Deck. One level home on

large lot. Walk to beach.

PORT

REN

FREW

$429,900. Turn of the Century Carraige House with all the old time charm. Hot House and amazing fenced gardens.

VICT

ORIA

5 ACRE

SOLD

SOLD

SOLDNEW LIST

$519,900. Acreage plus level entry home with basement. Huge shop.

Gated property.

LANG

FORD

6 ACRESSOLD

SOLD SOLD

SOLD

$309,900. 3 Bedroom level entry home with new kitchen and full walk

out basement on huge corner lot.

DUNC

AN

SOLD

[email protected]

www.whisperingpines.ab.ca1-877-465-3991

KICK OFF TO SUMMER SALE - ON NOW

It`s All Here The only thing missing

is YOU

Alberta’s Most Unique Residential Resort Community

10-Ye

ars

FREE

GO

LF5-Years

FREE Boat Slip

recreationproperty

Closing up the cottage for the season

Now that the lazy days of summer are over, it’s time to think about closing up the summer home for the

winter.Although every home is different and every homeowner’s closing checklist is different, the Canada Safety Council offers up some basic tips to keep in mind. This way, you won’t have any nasty surprises come next spring.

WATER SUPPLYIf your cottage is not winterized, you can take steps to prevent the water supply line from freezing during the winter. If you don’t do this, frozen pipes can burst, causing damage that means you’ll have no running water.

Pipes can be fully drained when it’s time to close up for the season. You can fill the water supply line with non-toxic anti-freeze made especially for supply pipes. Carefully wrap pipes at key junction points to better protect them from the cold.

This is also the ideal time to thoroughly check your plumbing and faucets after a summer’s wear-and-tear.

WILDLIFEAlthough small mice and squirrels can be a concern to cottage owners, avoid using poisons on these critters that love to move in when you move out. Instead, remove all food from the house before you close it. Because bats, mice and squirrels can wiggle in through the smallest of holes, inspect the building inside and out to make sure there are no tiny openings for them to enter. Place a wooden cover on the chimney to discourage birds and small animals from entering, and to stop any rain or snow. Tightly close your fireplace damper to prevent animals from getting in.

ELECTRICAL SYSTEMIf you shut off the electricity to your cottage in the off-season by throwing the main switch at the fuse box, be sure to turn off all major appliances, the water heater and electrical room heaters before you turn off the main switch. This will mean a smoother and safer start-up when you re-open in the spring.

If you leave your electricity on to operate security systems or lighting, turn off the power supply to your major appliances at your main panel and the power supply to any space heaters. Otherwise they may turn on during cold weather.

BOAT MOTORS AND OTHER POWER EQUIPMENTWhen storing power boating motors and other power equipment, do not drain the gasoline from fuel tanks — instead, use a fuel stabilizer (available from your dealer or auto parts store). Winterize your engine(s) away from the water. Store boat motors, lawnmowers and other items with engines in a dry, weatherproof place. Cover anything that may rust over the winter with a coat of oil.

Closing up the cottage the right way may take time and energy, but taking preventative measures now will mean a pleasant opening next spring.

Source: canadasafetycouncil.org

B Y M A R L E N E E I S N E R

email [email protected] Free 1-877-730-0608

Jack Barker

In your neighbourhood

CAMOSUN PENINSULA PROPERTIES

EXTRAVAGANT DREAM HOME WITH AMAZING VIEWS | MLS®341015

$2,380,000

HIGH POINT FARM ESTATE ON 10 ACRES | MLS®352429

$2,849,000

A harmonious combination of formality and country. Enjoy living in this New England Estate style residence with over 5,200 sq ft of living space and spacious rooms with too many extras to list. Picturesque views over the Mount Newton Valley and beautiful wonderful western sunsets from the 1,700+ sq ft of patio and decks. The 4,000 sq ft equestrian centre is a must-see with 2 bedroom accommodations.

Expect the best with this 5 bedroom, 6 bathroom exceptionally designed, custom residence. Room for the entire family to grow along with a potential for a home o ce. Spectacular views of the ocean, islands and mountains from beautiful patios over 2,500 sq ft of deck space. A dream home with so many features for the discriminative purchaser. We would be pleased to make a special appointment for viewing. Please check our website for more features and call now to view.

Jack BarkerImagine Living in Victoria

jackbarker.netjackbarker.netGO TO


recreationproperty

Closing up the cottage for the season

Now that the lazy days of summer are over, it’s time to think about closing up the summer home for the

winter.Although every home is different and every homeowner’s closing checklist is different, the Canada Safety Council offers up some basic tips to keep in mind. This way, you won’t have any nasty surprises come next spring.

WATER SUPPLYIf your cottage is not winterized, you can take steps to prevent the water supply line from freezing during the winter. If you don’t do this, frozen pipes can burst, causing damage that means you’ll have no running water.

Pipes can be fully drained when it’s time to close up for the season. You can fill the water supply line with non-toxic anti-freeze made especially for supply pipes. Carefully wrap pipes at key junction points to better protect them from the cold.

This is also the ideal time to thoroughly check your plumbing and faucets after a summer’s wear-and-tear.

WILDLIFEAlthough small mice and squirrels can be a concern to cottage owners, avoid using poisons on these critters that love to move in when you move out. Instead, remove all food from the house before you close it. Because bats, mice and squirrels can wiggle in through the smallest of holes, inspect the building inside and out to make sure there are no tiny openings for them to enter. Place a wooden cover on the chimney to discourage birds and small animals from entering, and to stop any rain or snow. Tightly close your fireplace damper to prevent animals from getting in.

ELECTRICAL SYSTEMIf you shut off the electricity to your cottage in the off-season by throwing the main switch at the fuse box, be sure to turn off all major appliances, the water heater and electrical room heaters before you turn off the main switch. This will mean a smoother and safer start-up when you re-open in the spring.

If you leave your electricity on to operate security systems or lighting, turn off the power supply to your major appliances at your main panel and the power supply to any space heaters. Otherwise they may turn on during cold weather.

BOAT MOTORS AND OTHER POWER EQUIPMENTWhen storing power boating motors and other power equipment, do not drain the gasoline from fuel tanks — instead, use a fuel stabilizer (available from your dealer or auto parts store). Winterize your engine(s) away from the water. Store boat motors, lawnmowers and other items with engines in a dry, weatherproof place. Cover anything that may rust over the winter with a coat of oil.

Closing up the cottage the right way may take time and energy, but taking preventative measures now will mean a pleasant opening next spring.

Source: canadasafetycouncil.org

B Y M A R L E N E E I S N E R

email [email protected] Free 1-877-730-0608

Jack Barker

In your neighbourhood

CAMOSUN PENINSULA PROPERTIES

EXTRAVAGANT DREAM HOME WITH AMAZING VIEWS | MLS®341015

$2,380,000

HIGH POINT FARM ESTATE ON 10 ACRES | MLS®352429

$2,849,000

A harmonious combination of formality and country. Enjoy living in this New England Estate style residence with over 5,200 sq ft of living space and spacious rooms with too many extras to list. Picturesque views over the Mount Newton Valley and beautiful wonderful western sunsets from the 1,700+ sq ft of patio and decks. The 4,000 sq ft equestrian centre is a must-see with 2 bedroom accommodations.

Expect the best with this 5 bedroom, 6 bathroom exceptionally designed, custom residence. Room for the entire family to grow along with a potential for a home o ce. Spectacular views of the ocean, islands and mountains from beautiful patios over 2,500 sq ft of deck space. A dream home with so many features for the discriminative purchaser. We would be pleased to make a special appointment for viewing. Please check our website for more features and call now to view.

Jack BarkerImagine Living in Victoria

jackbarker.netjackbarker.netGO TO

out of town

CALGARY

Bragg Creek

Black DiamondTurner Valley

Cochrane

Airdrie

StrathmoreStandard

HussarChestermere

Langdon

Shepard

Dalemead

DeWinton Carseland Mossleigh

Arrowwood

Gleichen

ClunyBassano

Milo

Blackie

Okotoks

Longview

High River

Cayley

Nanton

Stavely

Claresholm

Vulcan

Champion

Caramangay

Crossfield

Didsbury

Cremona

Bearspaw

Balzac

Carstairs

Acme

Carbon

Rockyford

Beieker

Irricana

KeomaDelacourt Dalroy

Lyalta

Katherine

1A

1

168

22

22

7

8

22

22 2A

21

72 9

24

23

2

2A

56

2

27

22X22X

567

772

574

766

766

562

581

575

567

791

564

566564

817791

797

569

840842

561

547

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552

549549

543

541

540

533

520

527

520

529

842

842

542

531

534

806

regional map


homebuyers’help

HOMEBUYERS’ RESOURCE SECTION

YOU LOVE THE HOME, SEE WHAT YOU CAN AFFORD!

Compare mortgage rates for your best deal

Calculate your mortgage payments


homebuyers’help

MORTGAGE INTEREST RATES

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

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

INSURED OR HIGH-RATIO: A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%. MORTGAGE OPTIONSYou can choose any of these mortgage options, which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

OPEN MORTGAGE: Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty. Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

CLOSED MORTGAGE: Usually has the lowest interest rate available but lacks the flexible features of other mortgage options. This is a good choice for those who want the security of knowing their monthly payment is fixed for a longer term. Prepayment options are available, but they are subject to conditions.

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

ATB Financial 2.200 4.000 2.940 2.640 2.590 2.690 2.790

Bank of Montreal (ATB) 2.700 4.000 2.890 2.840 3.390 3.890 4.740

Bank of Nova Scotia 2.700 4.550 3.290 3.090 3.390 3.890 4.490

Canadian Western Trust 2.900 4.000 3.140 3.040 3.650 4.200 4.740

Comtech Credit Union - 6.200 2.890 2.890 2.950 2.990 2.690

DUCA Financial Services 2.500 - 3.090 3.000 2.990 3.090 2.790

Effort Trust - 4.450 3.350 3.500 3.700 4.300 4.350

Equitable Bank - - 3.140 3.040 3.650 4.390 4.640

First Calgary Financial - 4.000 2.890 2.890 2.490 3.090 2.650

First National Financial 2.050 3.100 2.290 2.190 2.340 2.540 2.690

FirstOntario Credit Un. 2.700 4.240 2.790 2.450 2.490 2.690 2.690

HSBC Bank Canada 2.850 4.450 3.140 3.140 3.540 4.240 4.740

Home Trust Company 2.500 3.950 2.690 2.350 2.390 2.590 2.590

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.690

Investors Group Trust 2.700 4.200 3.140 3.090 3.390 3.890 4.740

Manulife Bank 2.400 4.450 3.000 2.940 2.840 2.790 2.690

Manulife Trust - 4.450 3.000 2.940 2.840 2.790 2.690

Meridian Credit Union 2.650 4.000 3.090 3.090 3.550 2.490 2.670

National Bank 2.700 4.400 2.890 2.840 3.390 3.890 4.740

President’s Choice Fin’l 2.700 6.190 3.190 2.840 3.340 4.040 4.440

Rapport Credit Union 2.850 6.000 3.090 3.040 3.500 3.040 2.990

Royal Bank of Canada 2.700 3.140 3.140 3.040 3.650 4.390 4.640

Servus Credit Union - 4.000 2.890 2.840 3.390 3.890 4.640

Steinbach Credit Union - - 2.450 2.550 2.550 2.650 2.650

T-D Mortgage 2.700 3.140 2.890 2.840 3.390 3.890 4.640

Tangerine 2.700 - 3.190 3.240 3.490 3.690 3.790

Windsor Family C.U. - 4.450 3.000 3.000 3.050 3.050 3.100

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

PREPARED BY CANNEX ON AUGUST 15, 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.

01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

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

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

04Refer to the chart above. Look down the left column and locate

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

05Multiply this figure by theamount you need to borrow.

Divide by 1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

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

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

homebuyers’help

3.00 17.96 9.65 6.91 5.54 4.73

3.25 18.07 9.76 7.02 5.66 4.86

3.50 18.18 9.88 7.14 5.79 4.99

3.75 18.29 9.99 7.26 5.91 5.13

4.00 18.40 10.41 7.38 6.04 5.26

4.25 18.51 10.23 7.50 6.17 5.40

4.50 18.62 10.34 7.63 6.30 5.53

4.75 18.72 10.46 7.75 6.44 5.67

5.00 18.85 10.59 7.89 6.58 5.82

5.25 18.97 10.71 8.01 6.71 5.96

5.50 19.08 10.83 8.14 6.85 6.11

5.75 19.19 10.95 8.27 6.99 6.26

6.00 19.30 11.07 8.40 7.13 6.40

6.25 19.42 11.19 8.54 7.27 6.55

6.50 19.53 11.32 8.67 7.41 6.70

6.75 19.64 11.44 8.80 7.55 6.86

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

MORTGAGE AMOUNT(PRICE – DOWN

PAYMENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

DIVIDED BY 12

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT


homebuyers’help

MORTGAGE INTEREST RATES

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

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

INSURED OR HIGH-RATIO: A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%. MORTGAGE OPTIONSYou can choose any of these mortgage options, which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

OPEN MORTGAGE: Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty. Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

CLOSED MORTGAGE: Usually has the lowest interest rate available but lacks the flexible features of other mortgage options. This is a good choice for those who want the security of knowing their monthly payment is fixed for a longer term. Prepayment options are available, but they are subject to conditions.

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

ATB Financial 2.200 4.000 2.940 2.640 2.590 2.690 2.790

Bank of Montreal (ATB) 2.700 4.000 2.890 2.840 3.390 3.890 4.740

Bank of Nova Scotia 2.700 4.550 3.290 3.090 3.390 3.890 4.490

Canadian Western Trust 2.900 4.000 3.140 3.040 3.650 4.200 4.740

Comtech Credit Union - 6.200 2.890 2.890 2.950 2.990 2.690

DUCA Financial Services 2.500 - 3.090 3.000 2.990 3.090 2.790

Effort Trust - 4.450 3.350 3.500 3.700 4.300 4.350

Equitable Bank - - 3.140 3.040 3.650 4.390 4.640

First Calgary Financial - 4.000 2.890 2.890 2.490 3.090 2.650

First National Financial 2.050 3.100 2.290 2.190 2.340 2.540 2.690

FirstOntario Credit Un. 2.700 4.240 2.790 2.450 2.490 2.690 2.690

HSBC Bank Canada 2.850 4.450 3.140 3.140 3.540 4.240 4.740

Home Trust Company 2.500 3.950 2.690 2.350 2.390 2.590 2.590

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.690

Investors Group Trust 2.700 4.200 3.140 3.090 3.390 3.890 4.740

Manulife Bank 2.400 4.450 3.000 2.940 2.840 2.790 2.690

Manulife Trust - 4.450 3.000 2.940 2.840 2.790 2.690

Meridian Credit Union 2.650 4.000 3.090 3.090 3.550 2.490 2.670

National Bank 2.700 4.400 2.890 2.840 3.390 3.890 4.740

President’s Choice Fin’l 2.700 6.190 3.190 2.840 3.340 4.040 4.440

Rapport Credit Union 2.850 6.000 3.090 3.040 3.500 3.040 2.990

Royal Bank of Canada 2.700 3.140 3.140 3.040 3.650 4.390 4.640

Servus Credit Union - 4.000 2.890 2.840 3.390 3.890 4.640

Steinbach Credit Union - - 2.450 2.550 2.550 2.650 2.650

T-D Mortgage 2.700 3.140 2.890 2.840 3.390 3.890 4.640

Tangerine 2.700 - 3.190 3.240 3.490 3.690 3.790

Windsor Family C.U. - 4.450 3.000 3.000 3.050 3.050 3.100

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

PREPARED BY CANNEX ON AUGUST 15, 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.

01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

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

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

04Refer to the chart above. Look down the left column and locate

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

05Multiply this figure by theamount you need to borrow.

Divide by 1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

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

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

homebuyers’help

3.00 17.96 9.65 6.91 5.54 4.73

3.25 18.07 9.76 7.02 5.66 4.86

3.50 18.18 9.88 7.14 5.79 4.99

3.75 18.29 9.99 7.26 5.91 5.13

4.00 18.40 10.41 7.38 6.04 5.26

4.25 18.51 10.23 7.50 6.17 5.40

4.50 18.62 10.34 7.63 6.30 5.53

4.75 18.72 10.46 7.75 6.44 5.67

5.00 18.85 10.59 7.89 6.58 5.82

5.25 18.97 10.71 8.01 6.71 5.96

5.50 19.08 10.83 8.14 6.85 6.11

5.75 19.19 10.95 8.27 6.99 6.26

6.00 19.30 11.07 8.40 7.13 6.40

6.25 19.42 11.19 8.54 7.27 6.55

6.50 19.53 11.32 8.67 7.41 6.70

6.75 19.64 11.44 8.80 7.55 6.86

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

MORTGAGE AMOUNT(PRICE – DOWN

PAYMENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

DIVIDED BY 12

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT

The decision has been made — you are going to sell the family home. As the largest investment most of us make,

there are some important steps to take to prepare the property for the real estate market. Start by looking at your home as the investment it has been, rather than as the place your child took his first steps. Those memories will always be with you. Emotionally

B Y L AU R A L E

Emotionally separating from your home

separating from a home can be a very difficult process for those of us who are attached to possessions. Staging each room can be a helpful process because most often, personal items need to be removed to neutralize the space.

Begin by removing all of your family photos. The potential buyer needs to imagine themselves living in the property and this is not possible if photos of your family are everywhere. Also remove the front door mat if it says

“welcome to our home”. This sentiment is lovely if your friends are coming over for a BBQ, but it can make potential buyers feel awkward.

aroundthehouse


Also, any religious items should be packed away. This is a very delicate subject to bring up during a consultation, but it is very necessary.

Remove any religious items. This is a very delicate subject to bring up during a consultation, but it is very necessary. It is, of course, something the seller will ultimately decide, but it is always ideal if all religious décor can be removed.

Next, and maybe the most difficult, is to not allow the children to take over the entire house. I see this a lot; it is perfectly fine for the kids to have their

“stuff” everywhere when you are living in the home, but it’s entirely different if you are selling and want potential buyers to feel comfortable and welcome in your property. Ideally, the kid’s belongings should be kept in their rooms and/or maybe the second floor bonus room or basement family room. The main floor is the “first impression” buyers will see, and it needs to be a toy-free zone. I have found that by involving the children in moving the toys, it is much less traumatic for them and it can also help them to

The decision has been made — you are going to sell the family home. As the largest investment most of us make,

there are some important steps to take to prepare the property for the real estate market. Start by looking at your home as the investment it has been, rather than as the place your child took his first steps. Those memories will always be with you. Emotionally

B Y L AU R A L E


separating from a home can be a very difficult process for those of us who are attached to possessions. Staging each room can be a helpful process because most often, personal items need to be removed to neutralize the space.

Begin by removing all of your family photos. The potential buyer needs to imagine themselves living in the property and this is not possible if photos of your family are everywhere. Also remove the front door mat if it says

“welcome to our home”. This sentiment is lovely if your friends are coming over for a BBQ, but it can make potential buyers feel awkward.

aroundthehouse


Also, any religious items should be packed away. This is a very delicate subject to bring up during a consultation, but it is very necessary.

Remove any religious items. This is a very delicate subject to bring up during a consultation, but it is very necessary. It is, of course, something the seller will ultimately decide, but it is always ideal if all religious décor can be removed.

Next, and maybe the most difficult, is to not allow the children to take over the entire house. I see this a lot; it is perfectly fine for the kids to have their

“stuff” everywhere when you are living in the home, but it’s entirely different if you are selling and want potential buyers to feel comfortable and welcome in your property. Ideally, the kid’s belongings should be kept in their rooms and/or maybe the second floor bonus room or basement family room. The main floor is the “first impression” buyers will see, and it needs to be a toy-free zone. I have found that by involving the children in moving the toys, it is much less traumatic for them and it can also help them to


Back-to-school, back-to-work Time Management

Back-to-school and back-to-work season are in full swing, and that means more time in the kitchen preparing lunches and dinners, and less time for

you to put your feet up or get other errands done. Here are some helpful tips to handle the stress of autumn.

WHAT’S FOR DINNER? Avoid the stress and expense of last-minute dinner decisions with a little advanced planning. Create a revolving two-week dinner menu (with a grocery list to match). Double the amount you make and freeze it for quick meals on the busiest nights.

SCHOOL LUNCHES MADE EASY. Designate one shelf in the pantry for school snacks only. Transfer foods to airtight containers – you’ll save space because they stack well, and the food will keep longer. Pack lunches the night before and refrigerate. Assign an area in the fridge for school lunches and drinks. With smaller children, store their foods low enough for the little ones to reach.

INVOLVE THE KIDS. Teach your kids how to do age-appropriate tasks and give them a weekly chore list. You will be helping them develop important life skills. After you show them how to do each task, post a step-by-step checklist for them to follow when they do it on their own (use pictures for kids who are too young to read). This will allow them to work independently and gain confidence in their newly acquired skills.

CLEAN AS YOU GO. Handle small messes as they happen to save time. Rinse dirty dishes and put them in the dishwasher immediately after use, before the food hardens and sticks. If something spills in the fridge, clean it as soon as you notice. If you stain an article of clothing, pre-treat it right away. Keep wipes handy for quick bathroom/kitchen spot-cleaning.

HOW’S YOUR “TO DO” LIST WORKING OUT FOR YOU? If you find your “to do” list overwhelming and ineffective, consider approaching it differently. Rather than one long list, create several short ones based on the category of the task, i.e. errands, home, calls, computer, etc. Keep your lists together in a small notebook that’s portable and always easily accessible.

B Y H E L L E N B U T T I G I E G

quicktips

Hellen Buttigieg is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, or email Hellen at [email protected]

NOW, WHERE WAS I? If you get interrupted while working on something important, use a notebook or a sticky note to jot down where you left off. When you return to the task, you won’t waste as much time figuring out where to resume.

MULTI-TASKING REDUCES PRODUCTIVITY. Contrary to popular belief, multi-tasking may actually lower productivity. The switching back and forth from one task to another costs time and leads to frustration and feeling overwhelmed. As a result, stress increases and there is a greater chance of errors. Although simple tasks can be done at the same time, like watching TV and folding laundry, important, complex activities require our undivided attention.

TWO-TIMING TASKS. Double up your simple activities and you’ll be able to do more in less time. Rather than chatting with a friend at the coffee shop, meet at the gym and work out together instead. Read the morning paper while running on the treadmill.

EXERCISE DECISION MAKING. Having trouble making decisions? Putting off decisions is actually a decision – a decision not to do anything! Most of us avoid decisions out of fear of making a mistake or upsetting someone. The next time you are faced with a decision, instead of imagining the worst possible outcome, imagine what could go right and how your life would improve as a result. Some guidelines I use when making decisions are “trust your gut” and “if it’s not an absolute yes, then it’s a no.”

STAND UP FOR YOURSELF. You can’t please all people all the time, so aim to at least please yourself. You’ll be able to say “no” to things you don’t want to do, and as a result, you’ll find more time for activities and relationships that nurture you and bring you joy. Your real friends will understand and may even have more respect for you.

LAURA LE has owned Creative Enhancement Inc. for 11 years. Laura completed courses with Accredited Staging Professionals (ASP), Canadian Staging Professionals (CSP) and Canadian ReDesign Association (CRDA). Creative Enhancement has been a member of the BBB since 2005. Call 403.807.8591 or email [email protected] and visit creativeenhancement.ca

emotionally prepare for the move. This is also a fabulous time to edit and declutter. I suggest putting items into one of three piles: one to donate to other kids if it is no longer played with or they have outgrown; one to keep for the new house; and one to toss. Ditto for the yard; allow the kids to keep a few items, but pack away as much as possible.

Lastly, if you have personalized your home with paint and have a purple family room, it needs to be repainted! Painting is a task that most of us can do ourselves and if that’s not possible, it is relatively inexpensive to have it done by a professional. Colour is something that creates strong emotions and it is a mistake to not repaint. If the potential buyer comes in and dislikes the colour on the walls, they will most likely move on to the next property for sale in your neighbourhood. Strong colour is often acceptable in children’s rooms and bathrooms because the task of painting these rooms is minimal and can allow the buyer to have a point of reference as far as remembering your property over another.

As a professional stager, I meet many, many sellers who are sad to be leaving the family home. Hopefully, these few tips will assist with the emotional separation that needs to happen before a property is placed on the real estate market. Good luck!

Lastly, if you have personalized with paint and have a purple family room…it needs to be painted!

Back-to-school, back-to-work Time Management

Back-to-school and back-to-work season are in full swing, and that means more time in the kitchen preparing lunches and dinners, and less time for

you to put your feet up or get other errands done. Here are some helpful tips to handle the stress of autumn.

WHAT’S FOR DINNER? Avoid the stress and expense of last-minute dinner decisions with a little advanced planning. Create a revolving two-week dinner menu (with a grocery list to match). Double the amount you make and freeze it for quick meals on the busiest nights.

SCHOOL LUNCHES MADE EASY. Designate one shelf in the pantry for school snacks only. Transfer foods to airtight containers – you’ll save space because they stack well, and the food will keep longer. Pack lunches the night before and refrigerate. Assign an area in the fridge for school lunches and drinks. With smaller children, store their foods low enough for the little ones to reach.

INVOLVE THE KIDS. Teach your kids how to do age-appropriate tasks and give them a weekly chore list. You will be helping them develop important life skills. After you show them how to do each task, post a step-by-step checklist for them to follow when they do it on their own (use pictures for kids who are too young to read). This will allow them to work independently and gain confidence in their newly acquired skills.

CLEAN AS YOU GO. Handle small messes as they happen to save time. Rinse dirty dishes and put them in the dishwasher immediately after use, before the food hardens and sticks. If something spills in the fridge, clean it as soon as you notice. If you stain an article of clothing, pre-treat it right away. Keep wipes handy for quick bathroom/kitchen spot-cleaning.

HOW’S YOUR “TO DO” LIST WORKING OUT FOR YOU? If you find your “to do” list overwhelming and ineffective, consider approaching it differently. Rather than one long list, create several short ones based on the category of the task, i.e. errands, home, calls, computer, etc. Keep your lists together in a small notebook that’s portable and always easily accessible.

B Y H E L L E N B U T T I G I E G

quicktips

Hellen Buttigieg is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, or email Hellen at [email protected]

NOW, WHERE WAS I? If you get interrupted while working on something important, use a notebook or a sticky note to jot down where you left off. When you return to the task, you won’t waste as much time figuring out where to resume.

MULTI-TASKING REDUCES PRODUCTIVITY. Contrary to popular belief, multi-tasking may actually lower productivity. The switching back and forth from one task to another costs time and leads to frustration and feeling overwhelmed. As a result, stress increases and there is a greater chance of errors. Although simple tasks can be done at the same time, like watching TV and folding laundry, important, complex activities require our undivided attention.

TWO-TIMING TASKS. Double up your simple activities and you’ll be able to do more in less time. Rather than chatting with a friend at the coffee shop, meet at the gym and work out together instead. Read the morning paper while running on the treadmill.

EXERCISE DECISION MAKING. Having trouble making decisions? Putting off decisions is actually a decision – a decision not to do anything! Most of us avoid decisions out of fear of making a mistake or upsetting someone. The next time you are faced with a decision, instead of imagining the worst possible outcome, imagine what could go right and how your life would improve as a result. Some guidelines I use when making decisions are “trust your gut” and “if it’s not an absolute yes, then it’s a no.”

STAND UP FOR YOURSELF. You can’t please all people all the time, so aim to at least please yourself. You’ll be able to say “no” to things you don’t want to do, and as a result, you’ll find more time for activities and relationships that nurture you and bring you joy. Your real friends will understand and may even have more respect for you.

LAURA LE has owned Creative Enhancement Inc. for 11 years. Laura completed courses with Accredited Staging Professionals (ASP), Canadian Staging Professionals (CSP) and Canadian ReDesign Association (CRDA). Creative Enhancement has been a member of the BBB since 2005. Call 403.807.8591 or email [email protected] and visit creativeenhancement.ca

emotionally prepare for the move. This is also a fabulous time to edit and declutter. I suggest putting items into one of three piles: one to donate to other kids if it is no longer played with or they have outgrown; one to keep for the new house; and one to toss. Ditto for the yard; allow the kids to keep a few items, but pack away as much as possible.

Lastly, if you have personalized your home with paint and have a purple family room, it needs to be repainted! Painting is a task that most of us can do ourselves and if that’s not possible, it is relatively inexpensive to have it done by a professional. Colour is something that creates strong emotions and it is a mistake to not repaint. If the potential buyer comes in and dislikes the colour on the walls, they will most likely move on to the next property for sale in your neighbourhood. Strong colour is often acceptable in children’s rooms and bathrooms because the task of painting these rooms is minimal and can allow the buyer to have a point of reference as far as remembering your property over another.

As a professional stager, I meet many, many sellers who are sad to be leaving the family home. Hopefully, these few tips will assist with the emotional separation that needs to happen before a property is placed on the real estate market. Good luck!

Lastly, if you have personalized with paint and have a purple family room…it needs to be painted!

Call: 403.247.5503Email: [email protected]

3 Bedrooms 2 Bathrooms• 1000 sq ft• Double Detached Garage•

28 BEDFIELD CLOSE NE

MLS: C4027613

$349,900

2 Bedroom / 2 Bathroom• 880 sq ft• Faces East Courtyard• 2 Underground Stalls•

202 42 6A STREET NE

MLS: C4025028

$329,900

2 Bedrooms / 2.5 Baths• 1220 sq ft• Double Garage Attached•

703 MCKENZIE TOWNE SQUARE

MLS: C4027824

$384,900

3 Bedrooms • 2.5 Bathrooms1680 sq ft• Fully Finished Basement•

261 ARBOUR CREST DRIVE NW

MLS: C4026714

$539,900

Date post:	23-Jul-2016
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Calgary Home Guide - 04 Sep., 2015

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