Calgary Home Guide - 15 Jul, 2016

Sold to the fi rst buyer in the door!

403.807.7193 [email protected] | Cameron-Realty.ca

DORY CAMERON Broker, FRI, CCS, CSP

For more information please go to pages 18-19

INSIDE THIS ISSUE

JUL 15 - AUG 12, 2016VOLUME 16, ISSUE 07, FREE

THE IMPORTANCE OF STAGINGWHEN SELLING YOUR HOME

MOVE OVER PAINT –WALLPAPER IS HERE TO STAY

3 STEPS TO GUIDEFIRST-TIME BUYERS

OAKRIDGE2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fi replace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great fi rst time buy or investment property. MLS#C4036440

GREAT INVESTMENT PROPERTY

$199,900

BOWNESS Extensively updated 2 storey end unit townhouse in showhome condition. Ready to move in and enjoy. NO CONDO FEES! Total of 5 units in complex. Brand new roof. Recently painted throughout with new laminate fl oor and brand new carpet on stairs and second fl oor. Large living room. Bright, updated maple dark kitchen with black appliances open to large eating area.Staircase leading upstairs to master bedroom and good sized 2nd bedroom and 4 piece bath. Basement is ready for development. Enclosed backyard. Ideal for the fi rst time buyer or investor. Close to amenities and transportation across the street. Exceptional value! MLS#C4068349

EXTENSIVELY UPDATED!

$212,900

$314,900

BRAESIDE1036 sq ft 2 Storey Townhouse. Sunny West Facing View with Open Floor Plan ,Main Floor has newer laminate fl ooring. Large Living Room, Main Laundry Room with lots of Storage. Kitchen with White Cabinets and Stainless Steel Fridge and Nook Area leads to large balcony. Upstairs has Large Master bedroom, 1 Full 4 pc bathroom, Second Good Sized room. Lots of Storage. Views of the Park, Close to Bus Stops and Shopping. MLS#C4069339

IDEAL LOCATION!

$239,800

SIGNAL HILL Spacious sunny unit with soaring vaulted ceilings. White kitchen with breakfast eating bar. Open to dining room and living room with gas fi replace. East facing larger deck off the living room. Large master bedroom with 4 piece ensuite and walk in closet and west facing deck. Single attached garage, This unit is a 5 minute walk to Sunterra Market and C train. Great unit with tons of potential. MLS#C4051921

SPACIOUS UNIT!

$288,900

HIGH RIVER-SUNSHINE MEADOWWelcome home to your Immaculate 3-bedroom end unit bungalow! These villas are built specifi cally with no steps, no stair and no basement. This beautiful open concept bungalow with a single attached heated garage is in show home condition. The gorgeous kitchen comes will all stainless steel appliances and a large pantry with tons of cabinets for storage. The great room has 9ft vaulted ceilings. There are two full bathrooms, the master bedroom en-suite has a walk-in shower. 2 other good sized bedrooms. Totally low maintenance unit in this 19+ complex. MLS#C4056544

OPEN CONCEPT!

$299,000

SOMERSET Welcome home to 255 Somerset Drive! This fully developed beautiful bungalow with a LOFT is situated on a corner lot in the much desired area of Somerset! This bright open concept bungalow features skylights for tons of natural light and vaulted ceilings. The beautiful kitchen has granite counter tops, brand new dishwasher and hood fan. The large master bedroom has a huge ensuite with a jetted tub. There is a second bedroom on the main fl oor with a second full bathroom. The fully developed basement has a third bedroom, third full bathroom and a large recreation room. There is also tons of space for storage! Upstairs the bright Loft is perfect for a home offi ce! Outside you have a large fenced landscaped yard situated on a corner lot! You don’t miss seeing this amazing home! MLS#C4058699

BEAUTIFUL BUNGALOW!

$489,999

SPRUCE CLIFF Executive 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 open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. 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. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4066887

EXECUTIVE CONDO!

$529,900

COVENTRY HILLS 2 Storey, double attached garage with 2265 sq ft. Open to below Foyer, Offi ce/Den and Living Room with Gas fi replace and built ins. Large, Raised Kitchen Island with Granite and Stainless Steel Appliances.Walk in Pantry. Hardwood on main fl oor. Upstairs with Huge Bonus room, vaulted ceilings, french doors lead to Balcony. Master has walk in closet, 4 piece ensuite with Jetted Tub. 2 other good sized rooms and another 4 piece bathroom. Basement is partially fi nished, just waiting for your personal touches. Located in a quiet cul de sac with Large Pie shaped, fully fenced backyard. Quick access to Stoney Trail, Deerfoot, Superstore, Theatres and shopping centres. MLS#C4071311

GREAT LOCATION!

$534,900

MINUTES TO DOWNTOWN!

$579,900

LEN T. WONGBroker

LAURA O’CONNELLAssociate/Partner

PANORAMA HILLSExceptionally well maintained 2 storey townhouse condo with single attached garage in showhome condition. Very bright and open plan. 3 bedrooms and 3 bathrooms. Gourmet maple kitchen with centre island open to large dining area and huge great room. French door leading from kitchen to a concrete patio. 2 piece powder room. Staircase leading upstairs to large master bedroom with 4 piece ensuite with walk in closet. 2 other good sized bedrooms and 4 piece main bath. Basement is ready for development with laundry and storage area. Oversized single attached garage. Quiet location. Walking distance to schools and close to amenities. ideal for 1st time buyer or family. Exceptional value! MLS#C4054720

EXCEPTIONAL VALUE!

$324,900

GLAMORGANExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4051844

WELL MAINTAINED BUNGALOW!

$414,900

DOUGLASDALE/GLENNestled on a quiet street of Douglas Ridge Way is this inviting 2 storey family home. A spacious front porch welcomes you inside the main fl oor, a very large formal dining room for family gatherings. The huge kitchen features stainless steel appliances, new granite countertops, corner pantry and an abundance of cabinetry. A large great room with a tile surround gas fi replace. A south facing backyard with an upgraded oversized deck, great for summer bbqs. Upstairs, a master retreat with walk in closet and a four piece ensuite. Two good sized bedrooms and a four piece main bath complete this level. The fi nished basement has a great layout: a large family room for either watching movies or a game of billiards on the pool table. This home is well maintained, has a 3 year old roof and a new hot water tank. Call to view today! MLS#C4066533

SPACIOUS HOME!

$455,000

SUNSET RIDGE-COCHRANE Brand new Landmark attached Brookside III 2 storey with single attached garage backing onto greenspace. Energy effi cient with high effi ciency furnace. 2 bedrooms, 3 baths and loft area. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece bath. 1 other good sized bedroom and 4 piece main bath. 2nd fl oor laundry room. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4070692

BRAND NEW!

$329,900

BRAESIDE 2 bedrooms, 1.5 baths, Fully developed basement, 950 sq.ft Townhouse in Braeside. Main fl oor features kitchen, Living room with new fi replace and tiles, nook area and 2piece bathroom. Upstairs has large master bedroom, second good sized bedroom and 4 piece bathroom with new tub surround. Fully developed basement with large Rec Room and laundry area. New paint throughout. Private entrance with yard and is fully fenced. Outdoor parking stall. MLS#C4070463

GREAT TOWNHOME!

$224,900

YOUR HOME SOLD IN 90 DAYS OR WE MAY BUY IT!*

MACKENZIE POINT AIRDRIE Extensively upgraded top fl oor south facing 2 bedroom plus den/3rd bedroom and 2 bathrooms. Rare 2 underground heated parking stalls. Ready to move in and enjoy/ Very bright and open plan. 16K worth of upgrades. Gourmet kitchen with breakfast eating bar, granite countertops, designer tiled backsplash and stainless steel appliances open to large eating area and great room. French door leading to covered deck. Large master bedroom with walk thru his/hers closet and 3pc ensuite. Good sized second bedroom. 3rd bedroom or offi ce/fl ex room. 4pc main bath. Large insuite laundry and storage area. Rare 2 underground heated, titled parking stalls. Pride of ownership shown throughout. Ideal for young family. Exceptional value! MLS#C4066518

IDEAL FOR YOUNG FAMILY!

$237,900

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


OPEN CONCEPT!

$299,000


BEAUTIFUL BUNGALOW!

$489,999


EXECUTIVE CONDO!

$529,900


GREAT LOCATION!

$534,900

WINSTON HEIGHTS/MOUNTVIEW Executive 3 storey townhouse condo with single detached garage in showhome condition. 3 bdrms & baths. 9ft ceilings on main fl r. Extensive upgrades & built ins thru out. Contemporary design thru out. Gourmet kitchen with centre island with quartz countertops, designer tiled backsplash & s/s appliances including induction countertop stove open to large pantry rm & dining rm with built ins & huge great rm with gas fi replace. Hardwood fl rs thru out main fl r. 2pc powder rm. Staircase leading upstairs to 2 large bdrms with walk in closet, 5pc bath & laundry rm. 3rd level has gorgeous master bdrm with 5pc spa like ensuite with large soaker tub, oversized shower & huge walk in closet with built ins. French dr leading out from master to south facing maintenance free deck with glass panels & metal railing with full city views. Basement is ready from development with 9ft ceilings & rough in for bath. Pride of ownership. Double detached garage. Quiet location. Walking distance to amenities & minutes to downtown. MLS#C4056521


$579,900

PANORAMA HILLS Executive custom built 2 storey with fully developed w/o in showhome condition. Backs onto ravine & pathways with west backyard. Ready to move in and enjoy. Total of 5 bdrms, bonus rm & 4 baths. Gourmet maple kitchen with centre island, breakfast eating bar, granite, designer tiled backsplash & upgraded appliances open to large eating area & spacious great rm with gas fi replace. Flex rm ideal for dining rm or den. French dr from eating area to large deck with gasline for BBQ and views. 2pc powder rm. Walk thru pantry & mud rm off garage entrance. Staircase leading upstairs to large bonus rm with vaulted ceiling. Large master bdrm with 5pc ensuite with jetted tub, oversized shower & walk in closet with laundry rm off hallway or master bdrm. 2 other good sized bdrms & 4pc bath. Professionally developed w/o bsmt with 9ft ceilings, laminate fl rs, 2 bdrms, huge family rm & games rm with wet bar & bathrm with heated fl rs. Stamped concrete patio with gasline. Excellent family home. Exceptional value! MLS#C4067671

MUST SEE!

$669,900

KINCORA Located on one of the larger lots in Kincora! Beautiful 2 storey fully developed basement with infl oor heat and oversized garage. Very bright & open concept plan. 9 ft ceilings on the main fl oor. Formal dining/fl ex room with hardwood fl oors. Main fl oor den with built ins. Gourmet maple kitchen with center island, tiled backsplash with partial granite countertops. Open to large eating area & huge great room with gas fi replace & built-ins. 2 piece powder & huge laundry room. Patio doors off the eating area lead out to a large deck with gasline for BBQ. Concrete patio & 10x10 shed on south facing backyard. The gorgeous staircase leading upstairs to large master bedroom with sitting area & 5pc ensuite with soaker tub & separate shower & huge walk-in closet. 2 other great sized bedrooms with built-in desks. Professionally developed basement with large recreation room, wet bar, bedroom & huge storage room with 2 furnaces. Pride of ownership shown throughout. Quiet location. Excellent family home. MLS#C4068230

FAMILY HOME!

$610,000

COCHRANE-HERITAGE HILLStunning open concept 2 Storey with fully fi nished walkout basement, bonus room and double attached garage. This home is fi lled with so many grand features starting with over 3000 square feet to call your own! The amazing kitchen has granite counters with an enormous island, stainless steel appliances with a gas stove open to large eating area and great room with gas fi replace. Door off eating area to spacious deck. 2pc powder room. Mud room off garage with lockers for storage. Upstairs you will fi nd a beautiful spacious master bedroom with a spa like ensuite. There are two other good size bedrooms with a large bonus room. The fully fi nished walkout basement has fourth bedroom, full bathroom and an amazing media room! Great family home. Exceptional value! MLS#C4061430

STUNNING OPEN CONCEPT!

$590,900


EXCEPTIONAL VALUE!

$324,900




BRAND NEW!

$329,900

DISCOVER THE ADVANTAGE

CRANSTON Executive custom a/c 2 storey w/ developed bsmt & o/s heated dbl garage w/util sink. Steps from the ravine. 4 bdrms, loft, den & 4 baths. 9ft ceilings. Recently painted thru out. Formal dining rm w/ coffered ceilings. Rounded corners thru out. Gourmet maple kitchen w/ granite, designer tiled backsplash, centre island & newer s/s appliances open to eating area & huge great rm w/ 2 storey Cathedral ceilings & gas fp. Main fl r laundry rm w/ cabinets. Main fl r den w/ French dr. Gorgeous staircase leading upstairs to loft area w/ built ins overlooking great rm. Large master bdrm & 5pc ensuite w/ jetted tub, o/s shower & separate w/i closet. 2 good sized bdrms & 4pc bath. Developed bsmt w/ family rm w/ gas fp, games rm, bdrm w/ w/i closet & 4pc bath.R/I for wet bar. Storage rm. 2 furnaces/humid. Solar shield thru out most windows & silhouette blinds. Landscaped yard w/ deck &interlocking stone patio, gasline for BBQ. R/I for hot tub & u/g sprinklers. Newer roof in 2014 & HWT in 2011. Expo aggreg drvwy & walks. MLS#C4061266

GREAT LOCATION!

$699,900


OAKRIDGE2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fi replace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great fi rst time buy or investment property. MLS#C4036440

GREAT INVESTMENT PROPERTY

$199,900

BOWNESS Extensively updated 2 storey end unit townhouse in showhome condition. Ready to move in and enjoy. NO CONDO FEES! Total of 5 units in complex. Brand new roof. Recently painted throughout with new laminate fl oor and brand new carpet on stairs and second fl oor. Large living room. Bright, updated maple dark kitchen with black appliances open to large eating area.Staircase leading upstairs to master bedroom and good sized 2nd bedroom and 4 piece bath. Basement is ready for development. Enclosed backyard. Ideal for the fi rst time buyer or investor. Close to amenities and transportation across the street. Exceptional value! MLS#C4068349

EXTENSIVELY UPDATED!

$212,900

$314,900

BRAESIDE1036 sq ft 2 Storey Townhouse. Sunny West Facing View with Open Floor Plan ,Main Floor has newer laminate fl ooring. Large Living Room, Main Laundry Room with lots of Storage. Kitchen with White Cabinets and Stainless Steel Fridge and Nook Area leads to large balcony. Upstairs has Large Master bedroom, 1 Full 4 pc bathroom, Second Good Sized room. Lots of Storage. Views of the Park, Close to Bus Stops and Shopping. MLS#C4069339

IDEAL LOCATION!

$239,800

SIGNAL HILL Spacious sunny unit with soaring vaulted ceilings. White kitchen with breakfast eating bar. Open to dining room and living room with gas fi replace. East facing larger deck off the living room. Large master bedroom with 4 piece ensuite and walk in closet and west facing deck. Single attached garage, This unit is a 5 minute walk to Sunterra Market and C train. Great unit with tons of potential. MLS#C4051921

SPACIOUS UNIT!

$288,900


OPEN CONCEPT!

$299,000


BEAUTIFUL BUNGALOW!

$489,999


EXECUTIVE CONDO!

$529,900


GREAT LOCATION!

$534,900


$579,900

LEN T. WONGBroker

LAURA O’CONNELLAssociate/Partner


EXCEPTIONAL VALUE!

$324,900


WELL MAINTAINED BUNGALOW!

$414,900


SPACIOUS HOME!

$455,000


BRAND NEW!

$329,900

BRAESIDE 2 bedrooms, 1.5 baths, Fully developed basement, 950 sq.ft Townhouse in Braeside. Main fl oor features kitchen, Living room with new fi replace and tiles, nook area and 2piece bathroom. Upstairs has large master bedroom, second good sized bedroom and 4 piece bathroom with new tub surround. Fully developed basement with large Rec Room and laundry area. New paint throughout. Private entrance with yard and is fully fenced. Outdoor parking stall. MLS#C4070463

GREAT TOWNHOME!

$224,900


MACKENZIE POINT AIRDRIE Extensively upgraded top fl oor south facing 2 bedroom plus den/3rd bedroom and 2 bathrooms. Rare 2 underground heated parking stalls. Ready to move in and enjoy/ Very bright and open plan. 16K worth of upgrades. Gourmet kitchen with breakfast eating bar, granite countertops, designer tiled backsplash and stainless steel appliances open to large eating area and great room. French door leading to covered deck. Large master bedroom with walk thru his/hers closet and 3pc ensuite. Good sized second bedroom. 3rd bedroom or offi ce/fl ex room. 4pc main bath. Large insuite laundry and storage area. Rare 2 underground heated, titled parking stalls. Pride of ownership shown throughout. Ideal for young family. Exceptional value! MLS#C4066518

IDEAL FOR YOUNG FAMILY!

$237,900

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


OPEN CONCEPT!

$299,000


BEAUTIFUL BUNGALOW!

$489,999


EXECUTIVE CONDO!

$529,900


GREAT LOCATION!

$534,900

WINSTON HEIGHTS/MOUNTVIEW Executive 3 storey townhouse condo with single detached garage in showhome condition. 3 bdrms & baths. 9ft ceilings on main fl r. Extensive upgrades & built ins thru out. Contemporary design thru out. Gourmet kitchen with centre island with quartz countertops, designer tiled backsplash & s/s appliances including induction countertop stove open to large pantry rm & dining rm with built ins & huge great rm with gas fi replace. Hardwood fl rs thru out main fl r. 2pc powder rm. Staircase leading upstairs to 2 large bdrms with walk in closet, 5pc bath & laundry rm. 3rd level has gorgeous master bdrm with 5pc spa like ensuite with large soaker tub, oversized shower & huge walk in closet with built ins. French dr leading out from master to south facing maintenance free deck with glass panels & metal railing with full city views. Basement is ready from development with 9ft ceilings & rough in for bath. Pride of ownership. Double detached garage. Quiet location. Walking distance to amenities & minutes to downtown. MLS#C4056521


$579,900

PANORAMA HILLS Executive custom built 2 storey with fully developed w/o in showhome condition. Backs onto ravine & pathways with west backyard. Ready to move in and enjoy. Total of 5 bdrms, bonus rm & 4 baths. Gourmet maple kitchen with centre island, breakfast eating bar, granite, designer tiled backsplash & upgraded appliances open to large eating area & spacious great rm with gas fi replace. Flex rm ideal for dining rm or den. French dr from eating area to large deck with gasline for BBQ and views. 2pc powder rm. Walk thru pantry & mud rm off garage entrance. Staircase leading upstairs to large bonus rm with vaulted ceiling. Large master bdrm with 5pc ensuite with jetted tub, oversized shower & walk in closet with laundry rm off hallway or master bdrm. 2 other good sized bdrms & 4pc bath. Professionally developed w/o bsmt with 9ft ceilings, laminate fl rs, 2 bdrms, huge family rm & games rm with wet bar & bathrm with heated fl rs. Stamped concrete patio with gasline. Excellent family home. Exceptional value! MLS#C4067671

MUST SEE!

$669,900

KINCORA Located on one of the larger lots in Kincora! Beautiful 2 storey fully developed basement with infl oor heat and oversized garage. Very bright & open concept plan. 9 ft ceilings on the main fl oor. Formal dining/fl ex room with hardwood fl oors. Main fl oor den with built ins. Gourmet maple kitchen with center island, tiled backsplash with partial granite countertops. Open to large eating area & huge great room with gas fi replace & built-ins. 2 piece powder & huge laundry room. Patio doors off the eating area lead out to a large deck with gasline for BBQ. Concrete patio & 10x10 shed on south facing backyard. The gorgeous staircase leading upstairs to large master bedroom with sitting area & 5pc ensuite with soaker tub & separate shower & huge walk-in closet. 2 other great sized bedrooms with built-in desks. Professionally developed basement with large recreation room, wet bar, bedroom & huge storage room with 2 furnaces. Pride of ownership shown throughout. Quiet location. Excellent family home. MLS#C4068230

FAMILY HOME!

$610,000

COCHRANE-HERITAGE HILLStunning open concept 2 Storey with fully fi nished walkout basement, bonus room and double attached garage. This home is fi lled with so many grand features starting with over 3000 square feet to call your own! The amazing kitchen has granite counters with an enormous island, stainless steel appliances with a gas stove open to large eating area and great room with gas fi replace. Door off eating area to spacious deck. 2pc powder room. Mud room off garage with lockers for storage. Upstairs you will fi nd a beautiful spacious master bedroom with a spa like ensuite. There are two other good size bedrooms with a large bonus room. The fully fi nished walkout basement has fourth bedroom, full bathroom and an amazing media room! Great family home. Exceptional value! MLS#C4061430

STUNNING OPEN CONCEPT!

$590,900


EXCEPTIONAL VALUE!

$324,900




BRAND NEW!

$329,900

DISCOVER THE ADVANTAGE

CRANSTON Executive custom a/c 2 storey w/ developed bsmt & o/s heated dbl garage w/util sink. Steps from the ravine. 4 bdrms, loft, den & 4 baths. 9ft ceilings. Recently painted thru out. Formal dining rm w/ coffered ceilings. Rounded corners thru out. Gourmet maple kitchen w/ granite, designer tiled backsplash, centre island & newer s/s appliances open to eating area & huge great rm w/ 2 storey Cathedral ceilings & gas fp. Main fl r laundry rm w/ cabinets. Main fl r den w/ French dr. Gorgeous staircase leading upstairs to loft area w/ built ins overlooking great rm. Large master bdrm & 5pc ensuite w/ jetted tub, o/s shower & separate w/i closet. 2 good sized bdrms & 4pc bath. Developed bsmt w/ family rm w/ gas fp, games rm, bdrm w/ w/i closet & 4pc bath.R/I for wet bar. Storage rm. 2 furnaces/humid. Solar shield thru out most windows & silhouette blinds. Landscaped yard w/ deck &interlocking stone patio, gasline for BBQ. R/I for hot tub & u/g sprinklers. Newer roof in 2014 & HWT in 2011. Expo aggreg drvwy & walks. MLS#C4061266

GREAT LOCATION!

$699,900


4 YPNEXTHOME.CA

Sold to the fi rst buyer in the door!ON THE COVER

in this issue

9 Trending6 homebuying tips for fi rst-timers

14

20

contentsJUL 15 - AUG 12, 2016 | VOLUME 16 ISSUE 07

18

+ online

SEARCHHOME

NEIGHBOURHOOD

WITHDYNAMIC

MAPSLOOK FOR THE CIRCLE

+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING

MORE

for advertising informationcall 403.829.0393

next deadline: August 5, 2016

maps & extras

6 Editors’ Note

7 Regional maps

22 Homebuyers’ HelpMortgage Rates

11 Mortgage Advice3 steps to help you get into the market

14 Money MattersGood reasons why youshould not co-sign

16 Home Sweet HomeDownsizing sale: Getting thebiggest buck for your bang

17 InspirationThe Scoop

18 Feature PropertyThe importance of stagingwhen selling a home

20 Design SecretsMove over paint – wallpaper is here to stay

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill

EDITOR-IN-CHIEF/DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

Moe Lalani

EDITOR

Wayne Karl Lydia McNutt (on leave)

MEDIA CONSULTANT

Heather Harke Phone: 403.829.0393

CONTRIBUTING EDITORS

Sonia Bell Elisa Krovblit Jackie Marchildon

NATIONAL CIRCULATION MANAGER

John Jenkins

SENIOR PRODUCTION MANAGER

Helen Pearce

GRAPHIC DESIGNER

Mike Terentiev

PRODUCTION COORDINATOR

Swinder Jodhka

PRINTING

Transcontinental, 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 REALTY GROUP INC. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

RE/MAX REAL ESTATE Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

MORTGAGE COMPANIES

PROLINKLori Ames . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

RECREATIONAL PROPERTIES & MORE

PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

advertisers’ index

JUL 15 - AUG 12, 2016 | HOME GUIDE 5

Sold to the fi rst buyer in the door!ON THE COVER

in this issue

9 Trending6 homebuying tips for fi rst-timers

14

20

contentsJUL 15 - AUG 12, 2016 | VOLUME 16 ISSUE 07

18

+ online

SEARCHHOME

NEIGHBOURHOOD

WITHDYNAMIC

MAPSLOOK FOR THE CIRCLE

+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING

MORE

for advertising informationcall 403.829.0393

next deadline: August 5, 2016

maps & extras

6 Editors’ Note

7 Regional maps

22 Homebuyers’ HelpMortgage Rates

11 Mortgage Advice3 steps to help you get into the market

14 Money MattersGood reasons why youshould not co-sign

16 Home Sweet HomeDownsizing sale: Getting thebiggest buck for your bang

17 InspirationThe Scoop

18 Feature PropertyThe importance of stagingwhen selling a home

20 Design SecretsMove over paint – wallpaper is here to stay

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill

EDITOR-IN-CHIEF/DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

Moe Lalani

EDITOR

Wayne Karl Lydia McNutt (on leave)

MEDIA CONSULTANT

Heather Harke Phone: 403.829.0393

CONTRIBUTING EDITORS

Sonia Bell Elisa Krovblit Jackie Marchildon

NATIONAL CIRCULATION MANAGER

John Jenkins

SENIOR PRODUCTION MANAGER

Helen Pearce

GRAPHIC DESIGNER

Mike Terentiev

PRODUCTION COORDINATOR

Swinder Jodhka

PRINTING

Transcontinental, 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 REALTY GROUP INC. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

RE/MAX REAL ESTATE Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

MORTGAGE COMPANIES

PROLINKLori Ames . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

RECREATIONAL PROPERTIES & MORE

PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

advertisers’ index

Get it in writingThe saying “get it in writing” has never

been more important in the case of

the new-home purchase, since such

a document outlines everything your

home will have in it, on it and around it.

Otherwise known as the Agreement of

Purchase and Sale, the contract spells

out the terms and conditions between

you and your builder. Without it, if there

is a misunderstanding or disagreement,

it’s impossible to prove what was

agreed upon.

Before you sign a contract, review it

carefully with the builder. Ask questions.

Fully understand what it contains. Then

take it to a real estate lawyer and have it

reviewed. Once it is signed, it becomes

a legal document and an agreed-upon

contract, so seeking the services of an

experienced real estate lawyer is an

important step toward ensuring that

your dream home becomes a reality.

Let us know how it goes. We’d love

to hear from you!

At time of writing, the Bank of

Canada had yet to make its latest

interest rate announcement and

Monetary Policy Report.

The expectation was that the BoC

would again hold its overnight rate

target at 0.5 per cent.

With its Monetary Policy Report

and other moves from the federal

government, however, many experts

expected action.

Potential changes in mortgage

regulations and housing policy seem

inevitable, if not now then in the

coming weeks, after federal Finance

Minister Bill Morneau commissioned a

joint federal, provincial and municipal

working group to study the housing

market, largely to address market

stresses in Toronto and Vancouver.

The challenge with any action

to tackle skyrocketing prices and

declining a� ordability in these cities

will be to not negatively a� ect other

markets where such characteristics

do not exist.

Markets such as Calgary, Edmonton

and other parts of Canada are

experiencing very di� erent conditions

than Toronto and Vancouver. Indeed,

if anything, they need changes to

help, not hinder homebuying activity.

+ get social

Editors' Notes

MARDA LOOP

nexthome.yp.ca/marda-loop

Interact with us on social media: ypnexthome

SUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge

WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]

Housing policy under watch

READ THE STORY ONLINE

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

547

552

549549

543

541

540

533

520

527

520

529

842

842

542

531

534

806

Calgary & regional maps

out of town

aCOMMUNITIES & MLS NUMBERS

zone bCOMMUNITIES & MLS NUMBERS

zone

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

GreenwoodGreenbiar

Pt. McKay

TRANS CANADA HI

CROWCHILD TR

STONEY TR

STONEY TR

DEERFOOT TR

16 AV

27

562

DEERFOOT TR

MARQUIS OF LORNE TR

MACLEOD TR

1A

68

out of town

GarrisonGreen

UpperScarboro

ErltonMission

Parkhill /Stanley Park

MeadowlarkParkKingsland

Roxboro

WestEnd

Crestmont

TRANS CANADA HI

SARCEE TR

GLENMORE TR

MACLEOD TR

SPRUCEMEADOWS TR

dCOMMUNITIES & MLS NUMBERS

zone

cCOMMUNITIES & MLS NUMBERS

zone

6 YPNEXTHOME.CA


Get it in writingThe saying “get it in writing” has never

been more important in the case of

the new-home purchase, since such

a document outlines everything your

home will have in it, on it and around it.

Otherwise known as the Agreement of

Purchase and Sale, the contract spells

out the terms and conditions between

you and your builder. Without it, if there

is a misunderstanding or disagreement,

it’s impossible to prove what was

agreed upon.

Before you sign a contract, review it

carefully with the builder. Ask questions.

Fully understand what it contains. Then

take it to a real estate lawyer and have it

reviewed. Once it is signed, it becomes

a legal document and an agreed-upon

contract, so seeking the services of an

experienced real estate lawyer is an

important step toward ensuring that

your dream home becomes a reality.

Let us know how it goes. We’d love

to hear from you!

At time of writing, the Bank of

Canada had yet to make its latest

interest rate announcement and

Monetary Policy Report.

The expectation was that the BoC

would again hold its overnight rate

target at 0.5 per cent.

With its Monetary Policy Report

and other moves from the federal

government, however, many experts

expected action.

Potential changes in mortgage

regulations and housing policy seem

inevitable, if not now then in the

coming weeks, after federal Finance

Minister Bill Morneau commissioned a

joint federal, provincial and municipal

working group to study the housing

market, largely to address market

stresses in Toronto and Vancouver.

The challenge with any action

to tackle skyrocketing prices and

declining a� ordability in these cities

will be to not negatively a� ect other

markets where such characteristics

do not exist.

Markets such as Calgary, Edmonton

and other parts of Canada are

experiencing very di� erent conditions

than Toronto and Vancouver. Indeed,

if anything, they need changes to

help, not hinder homebuying activity.

+ get social

Editors' Notes

MARDA LOOP

nexthome.yp.ca/marda-loop

Interact with us on social media: ypnexthome

SUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge

WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]

Housing policy under watch

READ THE STORY ONLINE

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

547

552

549549

543

541

540

533

520

527

520

529

842

842

542

531

534

806

Calgary & regional maps

out of town

aCOMMUNITIES & MLS NUMBERS

zone bCOMMUNITIES & MLS NUMBERS

zone

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

GreenwoodGreenbiar

Pt. McKay

TRANS CANADA HI

CROWCHILD TR

STONEY TR

STONEY TR

DEERFOOT TR

16 AV

27

562

DEERFOOT TR

MARQUIS OF LORNE TR

MACLEOD TR

1A

68

out of town

GarrisonGreen

UpperScarboro

ErltonMission

Parkhill /Stanley Park

MeadowlarkParkKingsland

Roxboro

WestEnd

Crestmont

TRANS CANADA HI

SARCEE TR

GLENMORE TR

MACLEOD TR

SPRUCEMEADOWS TR

dCOMMUNITIES & MLS NUMBERS

zone

cCOMMUNITIES & MLS NUMBERS

zone

8 YPNEXTHOME.CA

Ken YeohBroker/Owner

FREE Quick OnLine Home Evaluation

403.803.8981 www.mapleleafrealty .ca

MO

NTH

LY

S

TA

TIS

TIC

S

COMMUNITY SOLD SUMMARY FOR JUNE 2016

City of Calgary May-15 May-16 % change Jun-15 Jun-16 % change

Total Sales 2,186 1,923 -12.03% 2,023 1,849 -8.60%

New Listings 3,168 3,317 4.70% 2,930 2,836 -3.21%

Active Listings 5,393 6,176 14.52% 5,411 6,225 15.04%

Median 433,000 433,000 0.00% 430,000 428,550 -0.34%

Average Price 478,850 494,085 3.18% 484,239 483,916 -0.07%

Days on Market 41 42 2.44% 40 45 12.50%

Benchmark Price 457,800 439,700 -3.95% N/A N/A N/A

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

A T T A C H E D D E T A C H E D

SALE AVG PRICE SALE AVG PRICE

MONTEREY PARK 2 $282,000 5 $392,378

WHITE HORN 2 $309,500 3 $347,300

RUNDLE 1 $210,000 10 $381,290

PINERIDGE 2 $242,250 5 $404,900

TEMPLE 5 $255,000 4 $384,000

By Elisa KrovblitSCOOPthe

Inspiration

Catch up on decor news, inspiration, style + more

the look of the white and blue patterns piled and paired with such ease.

WeWelove

BOHObedroom

INwhite

& BLUE!


Boho bedroom in white & bluehomesense.ca

Scoop the look!

Reijay Baskets $100-$110 | crateandbarrel.com

‹

Portofi no Bedding, Shams, Pillow, Mat & Rug

$25-$130 | homesense.ca

‹

Loft Pendant Light $229 | cb2.com

‹

Want to feel at home in your house and your neighbourhood? Find your next home now.

find your next home

It’s only a tap away.

DOWNLOAD THE APP

START SEARCHING NOW!

Trending

PLANNING TO BUY YOUR FIRST home

and not sure where to begin? Here

are six tips to help you prepare.

1 | Get with the programs

There are various government

programs available to help you

buy a home.

Home Buyers’ Plan (HBP): The

HBP allows fi rst-time buyers to

withdraw up to $25,000 from their

RRSP to put toward a down payment

on a home. You have up to 15 years

to repay the funds.

First-Time Home Buyers’ Tax

Credit (HBTC): Eligible fi rst-time

buyers can apply for the FTHB to

help o� set the costs associated with

purchasing a home, such as legal

fees, disbursements and land transfer

taxes. The credit can provide up to

$750 in federal tax relief.

More information on these

programs is available at cra.gc.ca

2 | Explore your options

First-time buyers can buy a home with

as little as fi ve per cent of the purchase

price as a down payment – as long

as the property is less than $500,000.

Anything higher than that, and the

minimum down payment for the portion

6 homebuying tips for fi rst-timers

of the price higher than $500,000 is

10 per cent. So, assuming your price

range is at that threshold, you’ll need

to come up with at least $25,000.

3 | Check with the bank of mom and dad

If your parents are baby boomers

who have had the good fortune of

building equity over the years as they

paid down their mortgage while the

value of their property multiplied,

well… they may be in a position to

help. Many buyers are hitting up the

bank of mom and dad. In the last two

years, 28 per cent of fi rst-time buyers

called on their parents to help fi nance

their purchase; from 2010 to 2014,

only 17 per cent did.

4 | Become tech savvy

Mortgage consumers are becoming

very tech savvy. In Canada Mortgage

and Housing Corp.’s 2015 Mortgage

Consumer Survey, 78 per cent of

respondents researched online,

with 70 per cent using a mortgage

calculator to help determine their

payments. And social media is playing

a more important role – 20 per cent

used sites such as Facebook to learn

more, 17 per cent used a mobile

By Wayne Karl

MORE TRENDING ONLINE

ypnexthome.ca/news

device, and of those, 22 per cent used

a mortgage related app.

5 | Befriend a broker or banker

Whether you use broker or a banker

for a mortgage, you’ll likely come to

value the relationship. In the same

CMHC survey, consumer loyalty

strengthened the longer people stayed

with their lender. But people are willing

to switch lenders to get a better rate

and save – a fact which is much more

prevalent for bankers than brokers.

And because brokers are able to o� er

products from multiple lenders, as

opposed to bankers who o� er only the

products of their own institution, the

share held by brokers is growing.

6 | Research, research, research

With prices rising as they are and

uncertainty in some markets,

thorough research is a must.

Everything from your target area,

housing type, builder or realtor,

fi nances, who you borrow from and

the structure of your mortgage – take

your time. Take months. Don’t rush

anything. Anything.

[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

2.59%My experience and service will work for you.


MORE ADVICE ONLINEypnexthome.ca/news/advice

PURCHASING A HOME will be one of

the biggest investments you’ll ever

make. If you’re just starting to look,

there are a few steps you’ll need to

take before you can buy a home.

Determine how much you can a� ord

First, you have to determine what you

can a� ord. Your a� ordability is based

on your household income, your

current monthly debt payments and

the costs associated with owning a

home (such as property taxes, heating

costs, and condo fees).

A lender will also look at two

ratios to fi gure out how large your

mortgage can be. The fi rst is called

the gross debt service ratio. Your

monthly housing costs for (principal

and interest, taxes, and heating costs)

shouldn’t be more than 32 per cent

of your gross income. The second

is called the total debt service ratio,

which includes your housing costs

as well as any loan expenses (such

as credit card and line of credit

payments, and car loans or leases).

This ratio shouldn’t be higher than 40

per cent of your gross income.

You also have to come up with

enough money to make a down

payment. You’ll need to have a

minimum of fi ve per cent. If you’re

able to come up with a down

payment of 20 per cent or more, you

won’t need mortgage loan insurance.

And you should also have money

saved for closing costs, which could

be between 1.5 and four per cent of

the purchase price of your property.

First-time homebuyers 3 steps required to get into the market

Dip into savings

Once you’ve determined how much

you’ll need, you’ll have to fi nd a

source for your down payment and

closing costs, one of which can be

your RRSP.

Under the Home Buyers’ Plan,

you can withdraw up to $25,000

from your RRSP on a tax-free basis

as long as the funds have been

in the plan for more than 90 days.

If you’re purchasing a property

with a partner who’s also a fi rst-

time buyer, you’ll each be able with

withdraw $25,000.

Keep in mind that the money

has to be paid back starting the

second year after you make the

withdrawal and you have up to

15 years to repay the amount. If

you don’t make an annual payment,

you’ll have to declare it as taxable

income on your tax return for

that year.

If your RRSPs or other savings

aren’t enough, your family may

be able to help you. In fact, an April

2015 BMO survey found 42 per cent

of fi rst-time buyers expect their

parents or relatives to help pay for

their fi rst home.

Shop for a mortgage

It can pay to shop around. If you

and your partner go with the

fi rst mortgage rate you fi nd, you

could end up paying a lot more.

Let’s assume the following: you

plan on buying a $500,000 home

with a $400,000 mortgage, your

amortization period will be 25 years,

and you have a fi ve-year fi xed rate

of 3.5 per cent. That means your

total mortgage payment will be

$1,997 a month.

But if you do a little research, you

could save some money. If you’re

able to get a mortgage with a fi ve-

year fi xed rate of 2.5 per cent, your

payments will be $1,792, a di� erence

of $205 a month or $2,460 a year.

That’s why you should look for the

best mortgage rates.

You need to be ready fi nancially

before you’re able to purchase a

property. Knowing what steps are

involved to become a fi rst-time

homebuyer will allow you to start

your search for buying a home.

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

Advice | MORTGAGE ADVICE

By Alyssa Furtado

DOWNLOAD THE APP

LOOKING TO MOVE?

Brand new name, same great app. Everything you need to know to buy or rent your next home.

we can help!

10 YPNEXTHOME.CA


PURCHASING A HOME will be one of

the biggest investments you’ll ever

make. If you’re just starting to look,

there are a few steps you’ll need to

take before you can buy a home.

Determine how much you can a� ord

First, you have to determine what you

can a� ord. Your a� ordability is based

on your household income, your

current monthly debt payments and

the costs associated with owning a

home (such as property taxes, heating

costs, and condo fees).

A lender will also look at two

ratios to fi gure out how large your

mortgage can be. The fi rst is called

the gross debt service ratio. Your

monthly housing costs for (principal

and interest, taxes, and heating costs)

shouldn’t be more than 32 per cent

of your gross income. The second

is called the total debt service ratio,

which includes your housing costs

as well as any loan expenses (such

as credit card and line of credit

payments, and car loans or leases).

This ratio shouldn’t be higher than 40

per cent of your gross income.

You also have to come up with

enough money to make a down

payment. You’ll need to have a

minimum of fi ve per cent. If you’re

able to come up with a down

payment of 20 per cent or more, you

won’t need mortgage loan insurance.

And you should also have money

saved for closing costs, which could

be between 1.5 and four per cent of

the purchase price of your property.

First-time homebuyers 3 steps required to get into the market

Dip into savings

Once you’ve determined how much

you’ll need, you’ll have to fi nd a

source for your down payment and

closing costs, one of which can be

your RRSP.

Under the Home Buyers’ Plan,

you can withdraw up to $25,000

from your RRSP on a tax-free basis

as long as the funds have been

in the plan for more than 90 days.

If you’re purchasing a property

with a partner who’s also a fi rst-

time buyer, you’ll each be able with

withdraw $25,000.

Keep in mind that the money

has to be paid back starting the

second year after you make the

withdrawal and you have up to

15 years to repay the amount. If

you don’t make an annual payment,

you’ll have to declare it as taxable

income on your tax return for

that year.

If your RRSPs or other savings

aren’t enough, your family may

be able to help you. In fact, an April

2015 BMO survey found 42 per cent

of fi rst-time buyers expect their

parents or relatives to help pay for

their fi rst home.

Shop for a mortgage

It can pay to shop around. If you

and your partner go with the

fi rst mortgage rate you fi nd, you

could end up paying a lot more.

Let’s assume the following: you

plan on buying a $500,000 home

with a $400,000 mortgage, your

amortization period will be 25 years,

and you have a fi ve-year fi xed rate

of 3.5 per cent. That means your

total mortgage payment will be

$1,997 a month.

But if you do a little research, you

could save some money. If you’re

able to get a mortgage with a fi ve-

year fi xed rate of 2.5 per cent, your

payments will be $1,792, a di� erence

of $205 a month or $2,460 a year.

That’s why you should look for the

best mortgage rates.

You need to be ready fi nancially

before you’re able to purchase a

property. Knowing what steps are

involved to become a fi rst-time

homebuyer will allow you to start

your search for buying a home.

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

Advice | MORTGAGE ADVICE

By Alyssa Furtado

DOWNLOAD THE APP

LOOKING TO MOVE?

Brand new name, same great app. Everything you need to know to buy or rent your next home.

we can help!


Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008

P: 403.253.1901F: 403.252.2653

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

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

6,000 square feet• Unobstructed 360 degree views• 14 offi ces, 10 underground • parking stalls

The Montana - Premier penthouse offi ce condo

$2,950,000

Completely • renovated 3000 SF4 beds up• Hardwood throughout both levels• Triple oversized garage•

1412 75 Ave SW

$1,499,000

Fantastic corner lot• 4 bed 3.5 bath• Fully fi nished• Tons of upgrades•

125 Royal Oak Point NW

$619,900

3+2 bed 2 bath • Fully developed• Oversized detached garage• Great outdoor living spaces•

1104 24 St NW

$599,900

4 bed 3 full baths 2 half baths• 2745 sq ft developed• Pie shaped lot• Triple garage•

176 Kinniburgh Circle, Chestermere

$584,900

3 bed 2.5 bath• Quiet street• Close to shopping & schools•

48 Copperfi eld Rise SE

$360,000

5 beds 4.5 baths• Over 4500 Sq Ft developed• Huge 75’x122’ lot•

864 East Lakeview Rd

$1,099,900

3 bed 2.5 bath• Lake community• Beautiful open to above great room• Handscraped hardwood•

27 Autumn Close SE

$539,900

1 bed 1 bath• Fantastic location• Single garage• 25’ x 120’ lot•

333 3 Ave NE

$399,900

4 bed 3.5 bath• Full developed• Double Detached Garage• Corner lot•

3903 1 St NW

$749,900•


P: 403.253.1901F: 403.252.2653


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



$2,950,000

3 bed 2 bath • Great renovated family home• Hardwood & tile fl ooring•

615 78 Ave NW Hunti ngton Hills

$454,900

505 sq ft• Studio unit• Underground parking• Low condo fees•

208 830 Centre Ave NE

$239,900



$619,900

2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•

#2, 2410 29 St SW

$539,900


1104 24 St NW

$599,900



$1,099,900

4 bed 3 bath • Great location steps from 17 Ave SW• Original hardwood & fi replace• Completely renovated kitchen•

837 18 Ave SW

$569,900

1 bed 1 bath• In-suite laundry• Underground parking• Walk to 17th Ave!•

#601 1202 13 Ave SW

$204,000


27 Autumn Close SE

$539,900


333 3 Ave NE

$399,900

4 bed 3.5 bath• Over 3,300 sq ft above• Walkout basement• Backs onto pond•

252 Kinniburgh Circle

$819,900


P: 403.253.1901F: 403.252.2653


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



$2,950,000

Completely • renovated 3000 SF4 beds up• Hardwood throughout both levels• Triple oversized garage•

1412 75 Ave SW

$1,499,000



$619,900


1104 24 St NW

$599,900

4 bed 3 full baths 2 half baths• 2745 sq ft developed• Pie shaped lot• Triple garage•

176 Kinniburgh Circle, Chestermere

$584,900

3 bed 2.5 bath• Quiet street• Close to shopping & schools•

48 Copperfi eld Rise SE

$360,000



$1,099,900


27 Autumn Close SE

$539,900


333 3 Ave NE

$399,900

4 bed 3.5 bath• Full developed• Double Detached Garage• Corner lot•

3903 1 St NW

$749,900•


P: 403.253.1901F: 403.252.2653


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



$2,950,000

3 bed 2 bath • Great renovated family home• Hardwood & tile fl ooring•

615 78 Ave NW Hunti ngton Hills

$454,900

505 sq ft• Studio unit• Underground parking• Low condo fees•

208 830 Centre Ave NE

$239,900



$619,900

2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•

#2, 2410 29 St SW

$539,900


1104 24 St NW

$599,900



$1,099,900

4 bed 3 bath • Great location steps from 17 Ave SW• Original hardwood & fi replace• Completely renovated kitchen•

837 18 Ave SW

$569,900

1 bed 1 bath• In-suite laundry• Underground parking• Walk to 17th Ave!•

#601 1202 13 Ave SW

$204,000


27 Autumn Close SE

$539,900


333 3 Ave NE

$399,900

4 bed 3.5 bath• Over 3,300 sq ft above• Walkout basement• Backs onto pond•

252 Kinniburgh Circle

$819,900

PEOPLE HAVE GOOD HEARTS. And

people often feel they should

do something to help friends

and family when the going gets

tough. Hey, I’m all for offering help

when it’s needed. But you should

consider any financial help you

offer as a gift, since loans often

cause huge problems when it

comes to repayment time. Here’s a

letter I received recently:

Good reasons why you should not co-signBy Gail Vaz-Oxlade

Advice | MONEY MATTERS

Gail, I need some help. I don’t know what to do. My sister-in-law and

brother-in-law are constantly in a mess financially. They have young

kids, and both my husband and I love those children. We don’t want

to see them lose their home. But I also am very afraid of how our help

could hurt us. My sister-in-law has asked us to co-sign a consolidation

loan to help them out of the mess they have made. She’s a rampant

shopper. He can’t manage to make his business work. My husband

wants to do it, but I’m afraid that if we do this it might get in the way

when we go to buy a home next year. Am I just being selfish?

– D

D, you are not being selfish. Wanting

to stay solvent so you can make

your own dreams come true is not

a selfish act. It’s a sensible act. And

while your heart may go out to your

family, particularly the kids, who is to

say that another loan is actually going

to solve the problem? What have your

sister-in-law and brother-in-law done

to demonstrate they’re serious about

their debt problems? If their solution

is simply to get a consolidation loan,

that’s not enough.

Here are more reasons why you should think twice about co-signing for their consolidation loan:

People who need a co-signer can’t

qualify on their own because the

lender believes they will default. I

have heard of the odd positive co-

signing experience like a young adult

with no credit history whose parents

sign on because they know their kid is

a stand-up person who would sooner

die than stick them with debt. But I’ve

heard five times as many negative

stories: parents who have been stuck



brother-in-law are constantly in a mess fi nancially. They have young







when we go to buy a home next year. Am I just being selfi sh?

– D Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com.

D, you are not being selfi sh. Wanting



a selfi sh act. It’s a sensible act. And




















heard fi ve times as many negative


with their children’s irresponsible

behaviour; family who watch as the

primary signer goes bankrupt leaving

them holding the loan. If a body can’t

qualify for a loan on its own merits,

you have to wonder if you’re actually

doing that body a favour by adding

more weight to their debt load.

Co-signed debt is 100 per cent

your debt. A lot of people don’t

seem to realize this, I’m not sure why

since it is clearly stated in all the loan

paperwork. But here it is in black and

white: If the primary borrower drops

dead or defaults on the loan, you are

100 per cent responsible for repaying

any loans you may have co-signed.

It doesn’t matter that you didn’t get

the money. It doesn’t matter that the

primary borrower swore you were

off the hook. The reason you’re

co-signing is to guarantee repayment,

and if the lender can’t get blood from

one stone, it’ll come looking for

your stones.

Co-signed debt is factored into

calculations that determine whether

you’ll get approved for any kind of

borrowing, including a mortgage.

That’s right. Since you’re on the hook

for that $27,000 loan you co-signed

for, that’s $27,000 less you can

borrow for your own purposes. Again,

people seem not to realize that there

is a limit to how much lenders will

let you take on. Perhaps it’s because

lenders have been so lax with this

particular rule that folks think credit

is unlimited. Well, the credit bucket

is not bottomless. Taking on the

responsibility of co-signing could

mean your ability to borrow for your

own goals is thwarted.

So how do you say no to family

or friends who see you as fi nancially

stable and a good resource for solving

their problems? Try this…

Tonya, both Paul and I would love

to help, but right now we’re just not

in a position to do so fi nancially. We

would be happy to sit down with

you and Tony to talk about ways you

could clean up the fi nancial mess

you’re in. And we’d be happy to help

in other ways, like taking the kids

when you guys are working extra hard

to get that debt paid off . But we can’t

co-sign right now. What else can we

do to help you?

If Tonya and Tony stomp out

in a huff because all they want is

your signature, you can count your

blessings. It would only be a matter

of time before that co-signed

loan came between you anyway.

At least now you’re not also on the

hook fi nancially.


14 YPNEXTHOME.CA

PEOPLE HAVE GOOD HEARTS. And

people often feel they should

do something to help friends

and family when the going gets

tough. Hey, I’m all for offering help

when it’s needed. But you should

consider any financial help you

offer as a gift, since loans often

cause huge problems when it

comes to repayment time. Here’s a

letter I received recently:

Good reasons why you should not co-signBy Gail Vaz-Oxlade



brother-in-law are constantly in a mess financially. They have young







when we go to buy a home next year. Am I just being selfish?

– D

D, you are not being selfish. Wanting



a selfish act. It’s a sensible act. And




















heard five times as many negative




brother-in-law are constantly in a mess fi nancially. They have young







when we go to buy a home next year. Am I just being selfi sh?

– D Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com.

D, you are not being selfi sh. Wanting



a selfi sh act. It’s a sensible act. And




















heard fi ve times as many negative


with their children’s irresponsible

behaviour; family who watch as the

primary signer goes bankrupt leaving

them holding the loan. If a body can’t

qualify for a loan on its own merits,

you have to wonder if you’re actually

doing that body a favour by adding

more weight to their debt load.

Co-signed debt is 100 per cent

your debt. A lot of people don’t

seem to realize this, I’m not sure why

since it is clearly stated in all the loan

paperwork. But here it is in black and

white: If the primary borrower drops

dead or defaults on the loan, you are

100 per cent responsible for repaying

any loans you may have co-signed.

It doesn’t matter that you didn’t get

the money. It doesn’t matter that the

primary borrower swore you were

off the hook. The reason you’re

co-signing is to guarantee repayment,

and if the lender can’t get blood from

one stone, it’ll come looking for

your stones.

Co-signed debt is factored into

calculations that determine whether

you’ll get approved for any kind of

borrowing, including a mortgage.

That’s right. Since you’re on the hook

for that $27,000 loan you co-signed

for, that’s $27,000 less you can

borrow for your own purposes. Again,

people seem not to realize that there

is a limit to how much lenders will

let you take on. Perhaps it’s because

lenders have been so lax with this

particular rule that folks think credit

is unlimited. Well, the credit bucket

is not bottomless. Taking on the

responsibility of co-signing could

mean your ability to borrow for your

own goals is thwarted.

So how do you say no to family

or friends who see you as fi nancially

stable and a good resource for solving

their problems? Try this…

Tonya, both Paul and I would love

to help, but right now we’re just not

in a position to do so fi nancially. We

would be happy to sit down with

you and Tony to talk about ways you

could clean up the fi nancial mess

you’re in. And we’d be happy to help

in other ways, like taking the kids

when you guys are working extra hard

to get that debt paid off . But we can’t

co-sign right now. What else can we

do to help you?

If Tonya and Tony stomp out

in a huff because all they want is

your signature, you can count your

blessings. It would only be a matter

of time before that co-signed

loan came between you anyway.

At least now you’re not also on the

hook fi nancially.



Advice | HOME SWEET HOME

IF YOU’RE GEARING UP for a move

down into a smaller home, then you

know the downsizing process can

be overwhelming — especially if

you’ve lived in a large house for many

years. Clearing household clutter and

deciding the fate of used furniture,

artwork and other items can be a

challenge. You want to maximize

the value of your stu� by holding a

contents sale, but how do you ensure

you’re getting the biggest buck for

your bang?

“You’ll be surprised as to what

people will actually buy. One person’s

trash is another person’s treasure.

Others will try to sell the items on

their own, while others will hire a

fi rm to assist with the process,” says

Laura Convery, manager of senior

services at Transition Squad, a turnkey

company specializing in helping

seniors downsize their homes, from

organizing, cleaning and clearing

the home, to contents sales, online

auctions and Transition Squad’s

consignment store.

If you’re considering holding a

contents sale to help lighten your

load, Convery o� ers these fi ve steps

to downsizing success.

Downsizing stu� , maximizing profi t:

1. Think like a buyer. Be sure to set up

your downsizing sale accordingly.

What is most pleasing to the eye?

Success will depend on three

things: marketing to attract people,

selection, and attractive prices.

Downsizing sale: Getting the biggest buck for your bang

By Lydia McNutt


2. Priced to sell. Whether it’s fi ne

furniture, appliances or clothing,

remember that these items may

not be worth to others what

they are worth to you. A stranger

won’t pay extra for sentimental

value! Remember, the goal here is

downsizing.

3. Be prepared to negotiate.

Negotiating prices is the foundation

of every contents sale. Buyers

expect it, and a lack of willingness

to negotiate might frustrate them

and cost you a lot of unsold items.

4. Advertise. Promote your sale in

the community paper and on

social media forums, and tell as

many friends, family members and

neighbours as possible to spread

the word. Last but not least, 40

to 50 per cent of your buyers

will come from road signs, so

ensure they’re large, with proper

messaging and strategic placement.

5. Hand out tickets. Start an hour or

so prior to the sale to allow access

on a fi rst come, fi rst served basis.

Make sure to only allow enough

people in at a time to follow fi re

department regulations.

Lydia McNutt is an award-winning writer and editor. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Yellow Pages NextHome, where real estate rules.

16 YPNEXTHOME.CA


By Elisa KrovblitSCOOPthe

Inspiration

Catch up on decor news, inspiration, style + more


WeWelove

BOHObedroom

INwhite

& BLUE!


Boho bedroom in white & bluehomesense.ca

Scoop the look!

Reijay Baskets $100-$110 | crateandbarrel.com

‹

Portofi no Bedding, Shams, Pillow, Mat & Rug

$25-$130 | homesense.ca

‹

Loft Pendant Light $229 | cb2.com

‹

18 YPNEXTHOME.CA

“ Curb appeal is important because you only get one chance to make a first impression”

Feature Property

sold a condo to a senior vice-president

who bought it for his daughter. I had

staged the condo shabby-chic with

white linens and French Country style

for a young female buyer and it sold

in a week. The condo right next door

wasn’t staged and sat on the market.”

A home in the southeast was initially

listed with another realtor, but had

little interest until the owners hired

Cameron. She went in, did painting,

cleaning and furniture staging. The

home received four offers and sold

in a week for the same price as was

listed with the previous realtor. “In the

first two days they had more showings

then in 60 days with the other realtor

and that demonstrates why staging is

so powerful.”

And, she explains, that staging isn’t

just about furniture placement or

stylish decor. “I have sold properties

that were very out dated, but sold

because they were immaculate.

Staging is not only about show and

tell, but about whether the home has

been well cared for and shows pride of

ownership inside and out.

“Curb appeal is important because

you only get one chance to make a

first impression,” Cameron adds. So,

if a buyer steps out of the car and

there is road gravel and bits of garbage

underfoot, or if they see the lawn is

overgrown with weeds or paint is

peeling around the front door, they’ll

have a poor impression of what’s

inside to start with and may even

dismiss the property altogether.

So, to properly stage your home

start with cleaning, such as sweeping

walkways and driveways, mowing the

lawn, removing debris and cleaning

windows, outside. Inside, clean all

the surfaces, flooring, cupboards,

bathroom tiles and tubs and remove

odours. If you have a pet remove all

evidence of it whenever a potential

buyer comes through and during an

open house.

Then repair items such as broken

fence boards and broken baseboards

or tiles, and replace burnt out

lightbulbs or missing electrical

faceplates. And then, if needed, paint

with a neutral colour.

Finally stage the house to make

it welcoming. From the front

porch, by adding an inviting swing

and beautiful plants, to clearing

out clutter, taking down pictures

and artwork and rearranging your

furniture, or bringing in different

furniture, to ensure an uncrowded,

open functional space – all designed

so people can see themselves living

there and will ultimately want to

purchase your home.

To view Dory Cameron’s listings,

visit: cameron-realty.ca

After

After

Before Before

STAGING HAS BECOME AN integral

part of selling a home now more than

ever before, says longtime real estate

agent and Broker Dory Cameron of

Cameron Realty Group Inc.

“Today’s buyers are very visual

and have more opportunity through

websites to view inside people’s

homes,” Cameron says. “When I

ask people if they read the listings,

overwhelmingly they say ‘no,’ they just

look at the photos and if they don’t like

what they see they move along.

“I have seen great properties that

are shown void of furniture and look

like an empty barrel so people don’t

bother with them, but as soon as you

add nice furniture and show people

what the home can look like, you

get viewings,” she says. “So, staging

a home and having great photos to

post is important.”

Cameron is a major believer in

staging and even authored a self-

published book, The Power of Staging,

which describes how she sold houses

that other realtors couldn’t even

through the peak of the recessions.

She provides advice to her clients

on how to stage their homes from

removing knick-knacks to clearing out

furniture. “I can’t tell you how many

homes I’ve sold this way.”

“The first rule is to know who the

buyer will be,” Cameron explains.

“I’ve been in the business for 16

years and sold more than 700

homes so that experience gives me

a good idea of who the buyer is and

I stage homes accordingly.”

For example, she currently has

a main floor condo in northwest

Calgary that faces onto a busy

street, which Cameron feels it will

sell to a man because most woman

prefer units that are above the main

floor for safety reasons.

“So I’m bringing in more masculine

furniture with woods, metals and an

industrial feel to appeal to a male

buyer,” Cameron notes. “I also recently

The importance of staging when selling a home

cover story

Feature Property

By Heather Ryan

After


“ Curb appeal is important because you only get one chance to make a first impression”

Feature Property

sold a condo to a senior vice-president

who bought it for his daughter. I had

staged the condo shabby-chic with

white linens and French Country style

for a young female buyer and it sold

in a week. The condo right next door

wasn’t staged and sat on the market.”

A home in the southeast was initially

listed with another realtor, but had

little interest until the owners hired

Cameron. She went in, did painting,

cleaning and furniture staging. The

home received four offers and sold

in a week for the same price as was

listed with the previous realtor. “In the

first two days they had more showings

then in 60 days with the other realtor

and that demonstrates why staging is

so powerful.”

And, she explains, that staging isn’t

just about furniture placement or

stylish decor. “I have sold properties

that were very out dated, but sold

because they were immaculate.

Staging is not only about show and

tell, but about whether the home has

been well cared for and shows pride of

ownership inside and out.

“Curb appeal is important because

you only get one chance to make a

first impression,” Cameron adds. So,

if a buyer steps out of the car and

there is road gravel and bits of garbage

underfoot, or if they see the lawn is

overgrown with weeds or paint is

peeling around the front door, they’ll

have a poor impression of what’s

inside to start with and may even

dismiss the property altogether.

So, to properly stage your home

start with cleaning, such as sweeping

walkways and driveways, mowing the

lawn, removing debris and cleaning

windows, outside. Inside, clean all

the surfaces, flooring, cupboards,

bathroom tiles and tubs and remove

odours. If you have a pet remove all

evidence of it whenever a potential

buyer comes through and during an

open house.

Then repair items such as broken

fence boards and broken baseboards

or tiles, and replace burnt out

lightbulbs or missing electrical

faceplates. And then, if needed, paint

with a neutral colour.

Finally stage the house to make

it welcoming. From the front

porch, by adding an inviting swing

and beautiful plants, to clearing

out clutter, taking down pictures

and artwork and rearranging your

furniture, or bringing in different

furniture, to ensure an uncrowded,

open functional space – all designed

so people can see themselves living

there and will ultimately want to

purchase your home.

To view Dory Cameron’s listings,

visit: cameron-realty.ca

After

After

Before Before

STAGING HAS BECOME AN integral

part of selling a home now more than

ever before, says longtime real estate

agent and Broker Dory Cameron of

Cameron Realty Group Inc.

“Today’s buyers are very visual

and have more opportunity through

websites to view inside people’s

homes,” Cameron says. “When I

ask people if they read the listings,

overwhelmingly they say ‘no,’ they just

look at the photos and if they don’t like

what they see they move along.

“I have seen great properties that

are shown void of furniture and look

like an empty barrel so people don’t

bother with them, but as soon as you

add nice furniture and show people

what the home can look like, you

get viewings,” she says. “So, staging

a home and having great photos to

post is important.”

Cameron is a major believer in

staging and even authored a self-

published book, The Power of Staging,

which describes how she sold houses

that other realtors couldn’t even

through the peak of the recessions.

She provides advice to her clients

on how to stage their homes from

removing knick-knacks to clearing out

furniture. “I can’t tell you how many

homes I’ve sold this way.”

“The first rule is to know who the

buyer will be,” Cameron explains.

“I’ve been in the business for 16

years and sold more than 700

homes so that experience gives me

a good idea of who the buyer is and

I stage homes accordingly.”

For example, she currently has

a main floor condo in northwest

Calgary that faces onto a busy

street, which Cameron feels it will

sell to a man because most woman

prefer units that are above the main

floor for safety reasons.

“So I’m bringing in more masculine

furniture with woods, metals and an

industrial feel to appeal to a male

buyer,” Cameron notes. “I also recently

The importance of staging when selling a home

cover story

Feature Property

By Heather Ryan

After

Inspiration | DESIGN SECRETS

By Jane Lockhart | Photography by John Heineman | Courtesy of Sorbara Group of Companies

Move over paint, WALLPAPER is here to stay


Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confi dential, and has a Canadian-built

furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com

FOR THOSE OF YOU WHO lived as

adults through the 1980s, you may

view wallpaper as a thing of the past.

But, if you are buying a new home,

or are faced with the challenge of

decorating a new space, wallpaper

may be front of mind. Wallpaper is

coming back, but not in the way you

may think. It has been reinvented and

has become trendier than ever.

As we said goodbye to balloon

curtains, high hair and neon colours,

we thought wallpaper was on that

list as well. It turns out, wallpaper

manufacturers very savvy marketers,

and their eff orts are refl ected in

today’s interior design.

Wallpaper has moved past chicken

boarders in the kitchen, large and

bold fl oral patterns, or entire rooms

covered in the same look. We are

seeing wallpaper used in new and

exciting ways. There is now textured

paintable wallpaper, wallpaper for

focal walls, or fun designs that can be

used in small spaces.

The powder room is the best place

to have fun and experiment with

colour, texture and new designs. It is

a place where you can shut the door

and walk away, but your guests will

love your eff orts. One of our favourite

powder rooms was done in all-black

wallpaper with trendy light and

bathroom fi xtures. Because powder

rooms are on the smaller side, going

with a dramatic colour or pattern is

not too overwhelming.

Creating a focal wall is another area

when we use wallpaper a lot. Again,

we are seeing things in wallpaper we

have never seen before. There are large

shapes and patterns that can be applied

to the wall individually. Also, the focal

wall doesn’t have to be a full wall, it can

be a section or maybe it is a design that

carries over slightly to the adjacent wall.

Anther trend in wallpaper is the

introduction of metallics. Gold has

been huge for the last couple of

seasons and this has also been evident

in wallpaper. There are endless

examples from neutral wallpaper

peppered with gold geometric shapes

to black wallpaper with large gold

fans. And, since wallpaper is no longer

themed, these can be used in just

about any room in the house!

Faced with the task of decorating

a completely new space, sometimes

it pays off to take risks and think

outside of the box. Using wallpaper

lets you do both. Not only have there

been advancements in the wallpaper

patterns, but also in the product

itself. Most companies have pre-

pasted wallpaper that lasts longer

and is more durable. A nice added

bonus is the grid on the back that

a lot of companies as using. This

allows the homeowner to ensure

straight cuts when lining up to an

edge or matching the pattern on

the next sheet. If you are unsure of

your abilities, you can always hire a

professional to hang it as well.

However you decide to decorate

your new space, just make sure it

is something that you love and that

speaks to you, after all, you have to

live in it.


ABOVE LEFT

The Graham and Brown (grahambrown.com), wallpaper in this powder room works perfectly with the mirrored vanity in the small space.

OPPOSITE PAGE

In this powder room, we went with a strong wallpaper from Graham and Brown (grahambrown.com), that features large horizontal lines to create visual contrast.

ABOVE RIGHT

In this dining room the neutral wallpaper from Graham and Brown (grahambrown.com), is used with custom wainscotting and built-ins to create a unifi ed look.



By Jane Lockhart | Photography by John Heineman | Courtesy of Sorbara Group of Companies



Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confi dential, and has a Canadian-built

furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com

FOR THOSE OF YOU WHO lived as

adults through the 1980s, you may

view wallpaper as a thing of the past.

But, if you are buying a new home,

or are faced with the challenge of

decorating a new space, wallpaper

may be front of mind. Wallpaper is

coming back, but not in the way you

may think. It has been reinvented and

has become trendier than ever.

As we said goodbye to balloon

curtains, high hair and neon colours,

we thought wallpaper was on that

list as well. It turns out, wallpaper

manufacturers very savvy marketers,

and their eff orts are refl ected in

today’s interior design.

Wallpaper has moved past chicken

boarders in the kitchen, large and

bold fl oral patterns, or entire rooms

covered in the same look. We are

seeing wallpaper used in new and

exciting ways. There is now textured

paintable wallpaper, wallpaper for

focal walls, or fun designs that can be

used in small spaces.

The powder room is the best place

to have fun and experiment with

colour, texture and new designs. It is

a place where you can shut the door

and walk away, but your guests will

love your eff orts. One of our favourite

powder rooms was done in all-black

wallpaper with trendy light and

bathroom fi xtures. Because powder

rooms are on the smaller side, going

with a dramatic colour or pattern is

not too overwhelming.

Creating a focal wall is another area

when we use wallpaper a lot. Again,

we are seeing things in wallpaper we

have never seen before. There are large

shapes and patterns that can be applied

to the wall individually. Also, the focal

wall doesn’t have to be a full wall, it can

be a section or maybe it is a design that

carries over slightly to the adjacent wall.

Anther trend in wallpaper is the

introduction of metallics. Gold has

been huge for the last couple of

seasons and this has also been evident

in wallpaper. There are endless

examples from neutral wallpaper

peppered with gold geometric shapes

to black wallpaper with large gold

fans. And, since wallpaper is no longer

themed, these can be used in just

about any room in the house!

Faced with the task of decorating

a completely new space, sometimes

it pays off to take risks and think

outside of the box. Using wallpaper

lets you do both. Not only have there

been advancements in the wallpaper

patterns, but also in the product

itself. Most companies have pre-

pasted wallpaper that lasts longer

and is more durable. A nice added

bonus is the grid on the back that

a lot of companies as using. This

allows the homeowner to ensure

straight cuts when lining up to an

edge or matching the pattern on

the next sheet. If you are unsure of

your abilities, you can always hire a

professional to hang it as well.

However you decide to decorate

your new space, just make sure it

is something that you love and that

speaks to you, after all, you have to

live in it.


ABOVE LEFT

The Graham and Brown (grahambrown.com), wallpaper in this powder room works perfectly with the mirrored vanity in the small space.

OPPOSITE PAGE

In this powder room, we went with a strong wallpaper from Graham and Brown (grahambrown.com), that features large horizontal lines to create visual contrast.

ABOVE RIGHT

In this dining room the neutral wallpaper from Graham and Brown (grahambrown.com), is used with custom wainscotting and built-ins to create a unifi ed look.

22 YPNEXTHOME.CA

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 • Duncan 250.746.8123

$930,000 11 acres zoned for 4 houses! Private

oceanfront, Cove with beach.

SOOK

E

$1,180,0002800 sq ft westcpast craftsman

timber frame homeon 5 private acres.

Adjacent to Eagles Lake and walking trails.

7 mins to all amenities.VI

CTOR

IA-H

IGHL

ANDS

$988,000 Revenue oceanfront

property, forested acre with cove. Three rental units in private 3 storey home and boathouse

(cabin) with lovely views of Sooke Basin.

EAST

SOO

KE

$499,900 Home on 1 Acre. Very private updated 3 bedroom home. Separate studio, workshop and greenhouse.

VICT

ORIA

-LAN

GFOR

D

$210,000 2 bed / 2 bathOcean & Mtn Views from this well

located home.Walk to beach or store!

PORT

REN

FREW

$249,900 Lot 3 Mark LaneOcean view Building Lot in beautiful Willis Point area.

CENT

RAL

SAAN

ICH

$449,900. 10 Acres with panoramic ocean and mountain views road access to site and drilled well.

EAST

SOO

KE

$498,000 ALR RIVERSIDE level 65 ACRES on Gordon River located on

Southern Vancouver Island

PORT

REN

FREW

$159,900 Oceanfront living, updated 2 bedroom condo, in suite laundry,

excellent starter or investment.

SOOK

E

$199,200 1 acre in prime area, zoning for residential, B&B or home business. Hike to Botanical Beach.

PORT

REN

FREW

$350,000 Spectacular ocean views, ocean-front recreational property in co-op with 480 sq. ft. Park Model next to Botanical Beach.

PORT

REN

FREW

$444, 900 4 bed / 2 bath Privacy plus on .36 acre. 2192 sq ft creek-

side home with beautiful views.

SOOK

E

$499,900 1 bedroom with loft and den. Seaside bliss on the west

coast ocean front!

SOOK

E

SOLD

$1,600,000. 11 bed / 9 bath To say that For-est Refl ections is not your average home is an understatement. Custom built with great attention to detail utilizing materials from the actual property. I am honored to present this estate a place to nurture your soul. Swim with the rainbow trout in your own 50’deep lake with its crystal clear spring fed water with sandy beach. This distinctive property in-cludes private wing, carriage house and care-taker’s home. The end result of all the hard work is a true estate has been created. 15 minutes to amenities, one hour to Victoria.

COBB

LE H

ILL

PREPARED BY CANNEX ON JULY 5, 2016This information is current as of the date and time posted and is subject to change without notice. © Copyright 2016 CANNEX Financial Exchanges Limited. All rights reserved.

Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years

ATB Financial 2.6000 4.0000 2.9400 2.2900 2.4400 2.4900 2.5900

Alterna Bank 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800

Alterna Savings 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800

Bank of Montreal 2.7000 4.0000 2.8900 2.9900 3.3900 3.8900 4.7400

Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900

CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900

Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400

Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Comtech Credit Union - 6.2000 2.8400 2.8900 2.9500 2.9900 2.8900

DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.5400

Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500

Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400

First Calgary Financial - 4.0000 2.8900 2.8900 2.5900 2.7900 2.6900

First National Financial 2.3500 3.0000 2.2900 2.2400 2.3900 2.4900 2.5900

FirstOntario Credit Un. 2.5000 4.2400 2.6900 2.2900 2.3400 2.5400 2.5900

HSBC Bank Canada 2.8000 4.4500 3.1400 3.1400 3.3900 4.0900 4.6400

Home Trust Company 2.5000 3.9500 2.6900 2.1400 2.3400 2.5900 2.5900

ICICI Bank Canada 3.0500 - 2.8400 2.8400 2.8400 2.8900 2.8900

Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400

League Svgs & Mortgage - 4.4500 2.9900 2.5900 2.6900 2.8900 2.6900

Libro Credit Union - 3.7500 2.6000 2.6500 2.6900 2.6900 2.6900

London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Luminus Financial 3.2500 - 3.2500 3.2000 3.6500 4.0000 4.5000

Manulife Bank 2.6000 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900

Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900

Meridian Credit Union 2.4000 4.0000 2.8400 2.7900 2.6400 3.8900 2.4900

National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400

PACE Savings & Credit Un - 5.0000 2.9900 2.6900 3.4900 3.9900 4.6400

Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500

Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500

President's Choice Fin'l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400

Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900

Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400

Steinbach Credit Union - - 2.3900 2.3900 2.3900 2.4900 2.4900

T-D Mortgage 2.7000 3.1400 2.9900 2.8400 3.3900 3.8900 4.5400

Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900

WFCU Credit Union - 4.4500 3.0000 3.0400 3.6500 4.3900 4.6400

Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 2.6900

Buyers’ Resources | MORTGAGE RATES

ONLINE CALCULATORypnexthome.ca/mortgage-calculator

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 • Duncan 250.746.8123

$930,000 11 acres zoned for 4 houses! Private

oceanfront, Cove with beach.

SOOK

E

$1,180,0002800 sq ft westcpast craftsman

timber frame homeon 5 private acres.

Adjacent to Eagles Lake and walking trails.

7 mins to all amenities.VI

CTOR

IA-H

IGHL

ANDS

$988,000 Revenue oceanfront

property, forested acre with cove. Three rental units in private 3 storey home and boathouse

(cabin) with lovely views of Sooke Basin.

EAST

SOO

KE

$499,900 Home on 1 Acre. Very private updated 3 bedroom home. Separate studio, workshop and greenhouse.

VICT

ORIA

-LAN

GFOR

D

$210,000 2 bed / 2 bathOcean & Mtn Views from this well

located home.Walk to beach or store!

PORT

REN

FREW

$249,900 Lot 3 Mark LaneOcean view Building Lot in beautiful Willis Point area.

CENT

RAL

SAAN

ICH

$449,900. 10 Acres with panoramic ocean and mountain views road access to site and drilled well.

EAST

SOO

KE

$498,000 ALR RIVERSIDE level 65 ACRES on Gordon River located on

Southern Vancouver Island

PORT

REN

FREW

$159,900 Oceanfront living, updated 2 bedroom condo, in suite laundry,

excellent starter or investment.

SOOK

E

$199,200 1 acre in prime area, zoning for residential, B&B or home business. Hike to Botanical Beach.

PORT

REN

FREW

$350,000 Spectacular ocean views, ocean-front recreational property in co-op with 480 sq. ft. Park Model next to Botanical Beach.

PORT

REN

FREW

$444, 900 4 bed / 2 bath Privacy plus on .36 acre. 2192 sq ft creek-

side home with beautiful views.

SOOK

E

$499,900 1 bedroom with loft and den. Seaside bliss on the west

coast ocean front!

SOOK

ESOLD

$1,600,000. 11 bed / 9 bath To say that For-est Refl ections is not your average home is an understatement. Custom built with great attention to detail utilizing materials from the actual property. I am honored to present this estate a place to nurture your soul. Swim with the rainbow trout in your own 50’deep lake with its crystal clear spring fed water with sandy beach. This distinctive property in-cludes private wing, carriage house and care-taker’s home. The end result of all the hard work is a true estate has been created. 15 minutes to amenities, one hour to Victoria.

COBB

LE H

ILL

PREPARED BY CANNEX ON JULY 5, 2016This information is current as of the date and time posted and is subject to change without notice. © Copyright 2016 CANNEX Financial Exchanges Limited. All rights reserved.

Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years

ATB Financial 2.6000 4.0000 2.9400 2.2900 2.4400 2.4900 2.5900

Alterna Bank 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800

Alterna Savings 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800

Bank of Montreal 2.7000 4.0000 2.8900 2.9900 3.3900 3.8900 4.7400

Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900

CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900

Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400

Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Comtech Credit Union - 6.2000 2.8400 2.8900 2.9500 2.9900 2.8900

DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.5400

Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500

Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400

First Calgary Financial - 4.0000 2.8900 2.8900 2.5900 2.7900 2.6900

First National Financial 2.3500 3.0000 2.2900 2.2400 2.3900 2.4900 2.5900

FirstOntario Credit Un. 2.5000 4.2400 2.6900 2.2900 2.3400 2.5400 2.5900

HSBC Bank Canada 2.8000 4.4500 3.1400 3.1400 3.3900 4.0900 4.6400

Home Trust Company 2.5000 3.9500 2.6900 2.1400 2.3400 2.5900 2.5900

ICICI Bank Canada 3.0500 - 2.8400 2.8400 2.8400 2.8900 2.8900

Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400

League Svgs & Mortgage - 4.4500 2.9900 2.5900 2.6900 2.8900 2.6900

Libro Credit Union - 3.7500 2.6000 2.6500 2.6900 2.6900 2.6900

London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Luminus Financial 3.2500 - 3.2500 3.2000 3.6500 4.0000 4.5000

Manulife Bank 2.6000 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900

Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900

Meridian Credit Union 2.4000 4.0000 2.8400 2.7900 2.6400 3.8900 2.4900

National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400

PACE Savings & Credit Un - 5.0000 2.9900 2.6900 3.4900 3.9900 4.6400

Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500

Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500

President's Choice Fin'l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400

Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900

Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400

Steinbach Credit Union - - 2.3900 2.3900 2.3900 2.4900 2.4900

T-D Mortgage 2.7000 3.1400 2.9900 2.8400 3.3900 3.8900 4.5400

Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900

WFCU Credit Union - 4.4500 3.0000 3.0400 3.6500 4.3900 4.6400

Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 2.6900

Buyers’ Resources | MORTGAGE RATES

ONLINE CALCULATORypnexthome.ca/mortgage-calculator

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

startyour search here.

Date post:	05-Aug-2016
Category:	Documents
Upload:	yp-nexthome
View:	218 times
Download:	3 times

Calgary Home Guide - 15 Jul, 2016

Documents