Northglen

Northglen is Bowmanville’s unique and highly desirable family neighbourhood. This successfully master-planned community offers an innovative approach for active modern families with parks, pathways, a pond and more. Everything is right at your fingertips and you will be surrounded by recreational activities, trails and conservation areas. The Northglen community offers the security and tranquilly of country living, yet is just minutes from the thriving downtown district of Bowmanville. You will be well connected to all major commuter routes including the new 407 extension, giving you easy access to town and city centres.

Natural Space

At the heart of the neighbourhood is a large open natural space with trails and pathways, complete with sports parks, a splash pad and playground areas. Choose to ride a bike, take a stroll, join in a quick game of soccer or just unwind from the stresses of everyday life. Here you and your family can create real connections, make forever friends and enjoy your neighbours. You may even choose a summer stay at home vacation with so many possibilities, all right here.

Northglen redefines the concept of neighbourhood, building innovation and thoughtful design into each element. Esquire Homes and Highcastle Homes, are both leaders in their industry and master builders of outstanding new home communities all across the GTA and Southern Ontario. Together they have successfully created a community that is simply a better place for families to grow and prosper. More than 650 families now call Northglen home, taking advantage of the outstanding investment and value here.

Builder’s inventory Homes move in Ready in 30-90

All detached Homes from low $600’s

• Windsor 2596 sqft Model

4 bedrooms house with walkout Finished basement.

• Carlisle 2,528 Sq. Ft Model

4 Bedrooms with Look out basement Multi-Level Home With Balcony

• Canterbury 2,869 Sq. Ft Model Elevation B (Corner)

4 Bedrooms corner lot all Brick and Stone.

 

• Dalton 2,480 Sq. Ft Model 

4 Bedrooms buyers to choose interior finishes

 

• Berkeley 2,376 Sq. Ft Model 

4 Bedrooms buyers to choose interior finishes

 

• Canterbury 2,800 Sq. Ft Model Elevation B (Corner)

4 Bedrooms corner lot all brick

 

• Carlisle 2,528 Sq. Ft Model Elevation A

4 Bedrooms multi level home

 

• The Winchester Model 

4 Bedrooms 

 

• Winchester (corner lot) Model 

4 Bedrooms 

 

•  Foundry Model 2080 Sqft

4 Bedrooms 

 

• The Sherbourne Model 

4 Bedrooms 

 

• The Thornbury Model

4 Bedrooms 

 

• The Astley Model Elevation B

4 Bedrooms 

 

 

• The Buckingham 2,856 Sq. Ft Model Elevation A

4 Bedrooms backing to green space

 

• The Astley Model

4 Bedrooms 

For full list of inventory homes please click here   or visit http://www.SnapHomes.ca 

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Bowmanville New Homes

 

RBC Chief Sounds Alarm on Flood of Foreign Cash in Canadian Real Estate

Many Canadian Residents can’t qualify for mortgage to buy a home while the foreign investors enjoy profit in Canadian Real Estate Market. Full story below:

• ‘No thank you,’ McKay says to unproductive capital in homes
• Intensive bidding is beginning to ease as prices stabilize

Foreign inflows are distorting Canada’s already constrained housing market and aren’t the kind of investment the country needs, the chief executive officer of Royal Bank of Canada said.

 “We do not need foreign capital using Canadian real estate as a piggy bank,”  David McKay, said Tuesday at a bank conference in New York hosted by the Toronto-based lender. “If capital is coming in to sit in a home, unproductively, and is distorting your marketplace and the livelihood of your residents — no thank you.”

McKay, whose bank is Canada’s largest mortgage lender, says he’s supportive of government taxes and other measures targeting foreign buyers, as well as other regulatory efforts to cool the country’s housing market. He’s seeing some impacts from these rule changes, with “a little bit more healthy dynamics.”

 “Demand is down and house prices have been stable,” McKay said. “There’s still intensive bidding, but to a lesser degree.”

Toronto, Canada’s biggest housing market, has been correcting over the past few months amid a slew of regulations put in place to steady booming prices and increasing debt. Toronto home sales fell 35 percent in February from a year earlier, marking the weakest month of sales in nine years, though benchmark prices were up 3.2 percent on the year, according to data released Tuesday by the Toronto Real Estate Board.

Added Gasoline

Canada’s housing market has been on edge this year as mortgage guidelines came into effect, making it harder for prospective buyers to qualify for loans.

A surge of foreign money into Canadian housing had been adding “gasoline” to markets in Vancouver and Toronto, McKay said. He identified a “cocktail of factors” that led to unconstrained growth of Toronto and Vancouver home prices, including a growing population, land constraints, lack of supply and highly stimulative interest rates that caused people to funnel more disposable income into their homes in addition foreign money.

Source: Bloomberg.com

 

Urban Townhomes

It is a new townhouse development currently under construction. The development is scheduled for completion in 2018. Sales for available units range in price from $504,990 to over $674,990 and the unit sizes range from 841 to 1300 square feet.

Click Here To Register To Get Pricing & Floor Plans

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

 

Real Estate Forecast for 2018: What to Expect!

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Real Estate Forecast for 2018: What to Expect

As we head into a new year, the most common question we receive is, “What’s the outlook for GTA’s real estate in 2018?”

 

It’s not just potential buyers and sellers who care; current homeowners also want reassurance about the value of their investment. No one knows exactly what 2018 will bring, but we’ve outlined expert predictions on where the market is headed and how government interventions are expected to impact the Canadian housing market in the year ahead.

HOUSING PRICES WILL REMAIN HIGH IN URBAN CENTRES

Although the Toronto real estate market did experience a slowdown in 2017, housing affordability will remain a major issue in both Toronto and Vancouver in 2018. According to the Royal Bank of Canada’s most recent Housing Trends and Affordability Report, as of Q2 2017 it cost more than 75 percent (Toronto) and 80 percent (Vancouver) of median household income to cover the average cost of owning a home.¹

In an effort to stabilize prices, both the Ontario and British Columbia governments enacted a 15 percent tax on foreign investments in housing. However, according to the PricewaterhouseCoopers report on Emerging Trends in Real Estate: Canada and the United States 2018, “Industry players are skeptical that recent tax moves … to curtail foreign investment will have a long term cooling impact on housing affordability in Toronto and Vancouver.”²

In its Canadian Regional Housing Outlook, TD Economics predicts ”The decline in sales activity in both Vancouver and Toronto has helped to redistribute the balance of power from a pure seller’s market, back towards buyers, as evidenced by the sales-to-listing ratios. But, first-time homebuyers sitting on the sidelines waiting for higher interest rates to trigger a market crash may be holding their breath for a while. Prices are likely to only reset back to levels that existed prior to a year of exorbitant gains.”³

The high cost of living has forced a growing number of millennials to seek alternatives to traditional housing. The 2016 census found 47.4 percent of young adults in Toronto and 38.6 percent in Vancouver live with a parent. PricewaterhouseCoopers predicts a rise in multi-generational and multi-family homes, a move towards larger condominiums to suit growing families, and a flight from urban cores as new public transit projects make commuting more feasible.²

What does it mean for you? If you’re a current homeowner, you can expect your investment to hold its value and continue to appreciate over the long term. And if you’re considering selling this year, contact us to request a free Comparative Market Analysis to find out how much you can expect your home to sell for under current market conditions.

If you’re a potential buyer who has been waiting for real estate prices to drop, don’t expect a fallout any time soon. Governmental bodies have taken steps to slow down skyrocketing prices, which has helped to balance the market. Now is a great time to buy. And if traditional housing options don’t fit your budget, we can help you find alternatives to meet your needs.

GOVERNMENT INTERVENTIONS WILL HELP TO STABILIZE THE MARKET

Skyrocketing real estate prices have caused Canadians to take on a growing amount of debt. The federal Parliamentary Budget Office (PBO) reports that the average household indebtedness is up to 174 percent of disposable income, and they predict it will reach 180 percent by the end of 2018. Coupled with rising interest rates, the share of income that will go towards debt payments is expected to reach historic proportions.⁴

Regulators at the Office of the Superintendent of Financial Institutions (OSFI) have attempted to curb the potential fallout with interventions, the latest of which went into effect on January 1. These new regulations raise the requirements for mortgage borrowers with down payments of 20 percent or more. They are now required to qualify for a mortgage at an interest rate two percentage points higher than their current rate to ensure they can manage payments when interest rates do inevitably rise.

A similar “stress test” was enacted in 2016 for borrowers who put down less than 20 percent, but that regulation impacted a much smaller percentage of buyers.

According to Jeremy Rudin, the head of OSFI, “We clearly see the potential risks caused by high household indebtedness across Canada, and by high real estate prices in some markets. We are not waiting to see those risks crystallize in rising arrears and defaults before we act.”⁵

All federally regulated financial institutions will be obligated to utilize these requirements for both new mortgages and mortgage renewal applications of borrowers applying to switch lenders. It is not mandatory to apply the test at mortgage renewal for existing borrowers. Since credit unions are regulated provincially, they are not required to follow the new OSFI rules, although some may choose to out of prudency.

What does it mean for you? With new rules in effect, if you’re a buyer, your purchasing power may be impacted. If you’re concerned you may not be able to meet these requirements, securing your mortgage through a credit union may be an option. We are following this issue closely. Give us a call so we can discuss how these new rules will affect your home search.

If you’re considering selling your home this year, these regulations could alter the type of buyer who will be willing and able to purchase your home. We have expertise in this area and know how to market your home to a changing demographic.

5 YEAR MORTGAGES WILL MAKE A COMEBACK

Expect interest rates to rise in 2018. Bank of Canada has indicated that borrowers should expect to see rate increases this year … and notably, nearly half of Canadian mortgage holders are set to renew their mortgages in the next 12 months. Combined with the new, more stringent “stress test” requirements, a greater number of homeowners will be opting for five-year-fixed rate mortgages over the historically popular variable rate mortgages.⁶

According to LowerRates.ca, “Since January 2014, 56% of Canadian borrowers who applied for a mortgage through LowestRates.ca have gone variable, compared with 43% of those who got a five-year fixed. But this past August, there was a shift, where the five-year-fixed rate mortgage saw a sharp increase in applicants, with 59% of users on the LowestRates.ca site opting for this option versus only 39% opting for the variable mortgage.”⁷

What does it mean for you? If you’re in the market to buy, act now. Rising interest rates will decrease your purchasing power, so act quickly before interest rates go up. Give us a call today to get your home search started.

And if you’re a current homeowner who is set to renew your mortgage, you may want to consider locking in a five-year-fixed rate. Contact us if you would like assistance navigating your options.

 

 

2018 ACTION PLAN If you plan to BUY this year:   1.    Get pre-approved for a mortgage. If you plan to finance part of your home purchase, getting pre-approved for a mortgage will give you a jump-start on the paperwork and provide an advantage over other buyers in a competitive market. The added bonus: you will find out how much you can afford to borrow and budget accordingly. 2.    Create your wish list. How many bedrooms and bathrooms do you need? How far are you willing to commute to work? What’s most important to you in a home? We can set up a customized search that meets your criteria to help you find the perfect home for you. 3.    Come to our office. The buying process can be tricky. We’d love to guide you through it. We can help you find a home that fits your needs and budget, all at no cost to you. Give us a call to schedule an appointment today!   If you plan to SELL this year:   1.    Call us for a FREE Comparative Market Analysis. A CMA not only gives you the current market value of your home, it’ll also show how your home compares to others in the area. This will help us determine which repairs and upgrades may be required to get top dollar for your property … and it will help us price your home correctly once you’re ready to list. 2.    Prep your home for the market. Most buyers want a home they can move into right away, without having to make extensive repairs and upgrades. We can help you determine which ones are worth the time and expense to deliver maximum results. 3.    Start decluttering. Help your buyers see themselves in your home by packing up personal items and things you don’t use regularly and storing them in an attic or storage locker. This will make your home appear larger, make it easier to stage … and get you one step closer to moving when the time comes!

 

WE’RE HERE TO HELP

 

While national real estate numbers and predictions can provide a “big-picture” outlook for the year, real estate is local. And as local market experts, we can guide you through the ins and outs of our market, and the local issues that are likely to drive home values in your particular neighbourhood. If you have specific questions, or would like more information about where we see real estate headed in our area, please give us a call! We’d love to discuss how issues here at home are likely to impact your desire to buy or a sell a home this year. Please visit our website SnapHomes.ca for latest MLS listing and pre-construction Homes & Condos.

Can’t find what you are looking for? Contact us for Exclusive list of Pre construction Homes and Condos and our pocket listings for Land!
Sources:

1.     Royal Bank of Canada’s Housing Trends and Affordability Report –
http://www.rbc.com/newsroom/_assets-custom/pdf/20170929-ha.pdf

2.     PricewaterhouseCoopers Emerging Trends in Real Estate 2018  –
https://www.pwc.com/ca/en/real-estate/assets/Real_Estate_ETRE_2018_PDF.pdf

3.     TD Economics Canadian Regional Housing Outlook –
https://economics.td.com/canadian-regional-housing-outlook-aug-2017

4.     Office of the Parliamentary Budget Officer –
http://www.pbo-dpb.gc.ca/en/blog/news/HH_Vulnerability

5.     Financial Post
http://business.financialpost.com/personal-finance/stricter-osfi-rules-on-mortgage-lending-will-do-more-harm-than-good-fraser-institute

6.     Bank of Canada Financial System Review November 2018  –
https://www.bankofcanada.ca/wp-content/uploads/2017/11/fsr-november2017.pdf

7.     Maclean’s  –
http://www.macleans.ca/economy/money-economy/canadians-rushing-to-lock-down-five-year-fixed-rate-mortgages/

 

Lakeside Residences

Lakeside Residences is a new condo development by Greenland Group (Canada) currently in pre construction at 215 Lake Shore Boulevard East, Toronto. Lakeside Residences has a total of 1148 units.

Click Here To Register To Get Pricing & Floor Plans

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Lakeside Condos is a new condominium development by Greenland Group currently in pre-construction located at 215 Lake Shore Boulevard East, Toronto in the Waterfront neighbourhood with a 93/100 walk score and a 100/100 transit score. Lakeside Condos is designed by Hariri Pontarini Architects. The project is 49 storeys tall and has a total of 1148 suites.

LAKESIDE Condos Highlights:

Has a walkscore of 93/100: walkable EVERYWHERE
Located in the Waterfront Communities-The Island neighbourhood in Toronto
16 minute walk to Union Station
Walking distance to Billy Bishop Airport and The Financial District
8 minute walk to St. Lawrence Market and Toronto Island Ferry Terminal
Steps from Lake Ontario and Sugar Beach
Close access to University of Toronto St George Campus and Ryerson University
Close to shops, restaurants and entertainment
Has a transit score of 100/100: World class public transportation
Nearby parks include St. James Park, Berczy Park and Sculpture Gardens
✔ Excellent WalkScore of 93/100, perfect TransitScore of 100/100, and great BikeScore of 86/100
✔ Local and nearby attractions and things to do include the Hockey Hall of Fame, Berczy Park, the Distillery Historic District, the CN Tower, Rogers Centre, Ripley’s Aquarium of Canada, Toronto Railway Museum, Harbourfront Centre, Princess of Wales Theatre, Simcoe Wavedeck, Royal Alexandra Theatre, the Air Canada Centre, HTO Park, Glenn Gould Studio, TIFF Bell Lightbox, Toronto Music Garden, Roy Thomson Hall, National Ballet of Canada, Cynthia Findlay Antiques, Nathan Phillips Square, New City Hall (architecture), York Quay Centre, Bay of Spirits Gallery, and the Four Seasons Centre for the Performing Arts
✔ Restaurants located near the area include Belle Restaurant, Marche, Oliver & Bonacini Café Grill, Ki Modern Japanese & Bar, Over Easy, Biff’s Bistro, The Irish Embassy Pub & Grill, Wildfire Steakhouse, Jump Restaurant, IQ Restaurant, Fran’s Restaurant & Bar, Druxy’s Famous Deli, Movenpick Café, Bottom Line Restaurant, Manchu Wok, Edo Japan, Beer Bistro, Tamarind, Old Spaghetti Factory, Canoe Restaurant & Bar, Carisma, East Thirty-Six, P.J. O’Brien Irish Pub & Restaurant, Teller’s Bar & Lounge, and Uncle Tony’s Restaurant
✔ Local schools to the area include Downtown Alternative School, DreamShare Learning, Centre Des Pionniers, Market Lane Junior and Senior School, Saint Michael School, and EV Charging Station

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

 

Guildwood Condominiums

Guildwood Condominiums is a new condo development by Scollard Development Corporation currently in preconstruction. The development is scheduled for completion in 2018. Sales for available units range in price from $299,900 to $699,900. Guildwood Condominiums has a total of 112 units, sizes range from 511 to 1432 square feet.

Click Here To Register To Get Pricing & Floor Plans

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BUILDING FEATURES Smooth ceilings throughout with 9’ ceiling heights on floors 2-6 and 10’ ceiling heights on ground and 7th Floor Low E double pane windows Selected suites feature balconies and terraces as per plan Virtual concierge service In suite sprinkler system Smoke and carbon monoxide detectors in each unit where required by Ontario Building Code. Closed circuit security cameras throughout parking garage and at access doors for added safety. Enterphone system in lobby vestibule for visitors to contact residences directly to gain admittance. Controlled door access throughout common areas with computer access key fobs. Personal remote transmitter for parking garage access provided with each parking space. Underground parking and locker storage with security cameras in the garage area along with parabolic mirrors in the underground parking areas. Heated parking ramp to prevent icing. Underground garage is ventilated and protected by a fire sprinkler system for added safety and protection. Fire safety system in accordance with the current Ontario Building Code for safety. Underground garage lit with fluorescent lighting and light painted walls. Wall mounted “panic” button installed in various locations throughout the underground garage. Waste management and recycling system with garbage tri-sorter chute access on each floor. Professional landscaped grounds on site property. Move-in area with direct access to elevator for convenience. 2 elevators servicing all parking and residential levels. UNIQUE SUITE FEATURES Solid core suite entry door with lever handle lockset, dead-bolt lock and guest viewer with metal frame and wood casings and paint finish. Contemporary laminate flooring in foyers, hallways, living room, dining room, kitchen, den and bedrooms from Vendor’s finish packages, including transitional strips in doorways as per plan. Interior doors with brushed nickel-finish lever hardware as per plan. 4’ baseboards with corresponding 2’3/4 casings painted with Vendor’s semi-gloss latex white paint. Interior walls and ceilings primed with off-white paint. Semi-gloss off white paint on all trims. Bathrooms, Kitchen and Laundry areas are painted with latex white semi-gloss paint. White painted smooth ceilings in all areas with Vendor’s standard white paint. White decora style switches and receptacles where applicable as per plan. Ceiling light fixtures in foyer and/or hallways, kitchen and dining room as per plan. Sliding closet doors or slab swing door in bedrooms and foyer as per plan. Poured concrete finish to all balconies; terraced units to receive patio pavers. Painted underside to all balconies. Outdoor balcony or terrace with one electrical outlet as per plan. Sliding glass doors or swing door to outside balcony or terrace as per plan. Aluminum awning windows as per plan. CHEF-INSPIRED KITCHENS Choice of contemporary style cabinets and quartz countertops from Vendor’s finish packages. Glass tile backsplash. Oversized single stainless steel undermounted kitchen sink. with single lever chrome pull down faucet with pull out spray. Exhaust fan in kitchen over the stove. Overhead lighting in kitchen. APPLIANCE PACKAGE Counter depth stainless steel bottom freezer fridge. Slide in stainless steel self-clean range. Built-in stainless steel dishwasher Full size stackable washer/dryer including heavy duty wiring and receptacle for dryer. Stainless steel microwave oven with exhaust over the range. *Size details to be added based on plan. BATHROOM FEATURES Custom designed cabinets from Vendor’s finish packages. Porcelain tiles for bathroom floors with ceramic tiles for bathtub and shower enclosures from Vendor’s finish packages. Acrylic soaker tub as per plan. Shower stalls completed with full height ceramic tile surround and semi frameless glazed shower door as per plan. Vapour proof ceiling mounted pot light over tubs and showers. White bathroom fixtures throughout. Single lever chrome faucets in vanity sink. Quartz vanity tops with undermount basins Vanity mirror and decorative light fixture. 2 Pot lights. Dual-flush, white ceramic water closet. Exhaust fan in all bathrooms vented to the outside. Privacy locks on all bathroom doors. Temperature balance valves for tub and shower. MULTI-MEDIA Pre-wired outlets for cable TV in living room, bedrooms, and den as per plan. Hi-speed internet connectivity in every suite. Telephone outlets in living room, kitchen, bedrooms, and den. Wi-Fi connectivity in selected amenity areas. MECHANICAL / ELECTRICAL / WASTE MANAGEMENT Dedicated heat pump unit(s) as per plan with a dedicated heated/cooling thermostat. Individual climate control suite heating and air-conditioning. Individual metering of in-suite electrical consumption. Domestic water meters dedicated for hot and cold water. Dedicated electrical meter. Pre-wired for personal encoded stand-alone intrusion alarm system. Suite equipped with emergency voice communication system. Switch controlled split outlets in living room and bedroom as per plan.* Electrical copper wiring with circuit breaker service panel. HOMEOWNERS LEVELS OF PROTECTION One year warranty on the workmanship and materials. Tarion Warranty Corporation New Home Warranty Protection, as per Tarion Guidelines. Manufacturer’s warranty on appliances.

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

Oak & Co Condos

Oak & Co. Condos is a new condo development by Cortel Group currently in preconstruction. The development is scheduled for completion in 2020. Sales for available units range in price from $360,318 to over $605,820. Oak & Co. Condos has a total of 750 units, sizes range from 540 to 989 square feet.

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Oak Park is one of the residential neighborhoods in Oakville that boasts of charming, friendly and urban-style architecture. It has a friendly and casual ambiance that is welcoming. Oak Park is lively, warm and welcoming. The community that lives in this area is exciting and superb. In addition, the area has exceptional facilities that you will find amazing if you choose to live in Oak and Co condos. The area boasts of shops, restaurants, trails, parks and a walkable neighborhood.
Oak Park has a number of condominium options that ranges from affordable living such as 1 bedroom condos, spacious suites and apartments. It also offers double garages and family friendly townhomes. Also, Oak Park area offers a moderate lifestyle that is worth exploring.

Click Here To Register To Get Pricing & Floor Plans

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

Pickering New Homes

New master plan community of 25,000 homes in high demand area of Pickering. Mixed of Freehold Townhomes and Detached Homes. Starts from $700’s upto 3500 sqft. Occupancy date between 2019-2020. For limited time receive up to $15,000 in upgrades. Please contact for detail.

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It’s also a central component of a landmark vision that will transform north Pickering. When Seaton is completed, it’s estimated that there will be 35,000 jobs created right in the community, as well as 70,000 total residents.
Not to mention all the parks, schools, hiking trails, shopping and dining amenities you’ll need to make this an amazing place to call home.

So when you choose to live in Pickering, you’re also choosing to live at the heart of the GTA’s most visionary new lifestyle community.

Click Here To Register To Get Pricing & Floor Plans

 

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

Express Condo

Express Condos is a new condo development by Malibu Investments Inc. currently in preconstruction at Wilson Avenue, Toronto. The development is scheduled for completion in 2021.

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Express Condos is the first condo of a large development project that will be situated on 2.8 acres along Tippet Road in the Wilson Heights neighbourhood of North York. It is the latest proposed pre-construction high-rise residential condominium, that will ascend 16 storeys atop a 6 storey U-shaped podium.

Click Here To Register To Get Pricing & Floor Plans

All information, prices, terms and conditions subject to change without notice. E. and O.E.

 

Panda Condo

Panda Condos is a new condo development by Lifetime Developments currently in preconstruction at 20 Edward Street, Toronto. Panda Condos has a total of 555 units.Panda Condos Located in center of Downtown Toronto where there is plenty of options for shopping, restaurants and entertainment. Yonge and Dundas is the part of downtown which is excellent in all scores. Cecconi Simon designed-infused suites Exquisite euro style kitchens Timeless bathrooms Convenient Laundry.Panda Condos Highlights:
-100/100 Walk Score
-100/100 Transit Score
-Toronto Eaton Centre right around the corner
-Endless Shopping and Eateries in the Bay Street Corridor
-Perfect for Students: Short Walk to Ryerson University, OCAD University, UofT.

Click Here To Register To Get Pricing & Floor Plans

All information, prices, terms and conditions subject to change without notice. E. and O.E.

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