Calgary Home Guide - 12 June, 2015

June 12 - July 10, 2015 Volume 15 Issue 06

Your Best Source for Homes & CondosCalgary Edition

Ray Riley ROYAL LePAGE Foothills403.270.7601 | [email protected] | www.rayriley.comFor more information on this property, please go to page 42-43

Contemporary Home in Elbow Park

INSIDE THIS ISSUE

MORTGAGE HABITS EVOLVE WITH LOW LENDING RATES

NEIGHBOURHOOD PROFILE: EXPLORE MARDA LOOP

HOUSING VALUATIONS: WHO & WHAT TO BELIEVE?

DIANNE & MICHAEL BROWNCALL & ASK FOR DIANNE

LANDAN REAL ESTATE

403-256-38881-800-661-6262

403-256-3888403-256-38881-800-661-62621-800-661-6262Dianne Brown

DIANNE & MICHAEL BROWN 403-256-3888DIANNE & MICHAEL BROWN 403-256-3888REAL ESTATE TEAM

LANDAN REAL ESTATE

[email protected]

ACHIEVEMENTS• RE/MAX Platinum Club • RE/MAX President’s Club

• Chairman’s Club • Member of MLS Million Dollar Club

REAL ESTATE TEAM

Condominiums

EVERGREEN

RARE OPPORTUNITY! 1 bdrm & lock-off suites in the Swan Evergreen Village ASSISTED LIVING facility. Amenities include full service dining, fitness facility, games & craft rooms, bistro & professional onsite mgmt.

$215,900 - $296,900 + GST

VARSITY ACRES

Spectacular 1300 sqft 2 bdrm, 2 bath condo with gorgeous moun-tain views. Totally renovated & features granite counters, rich wood cabinetry, stainless appliances, engineered hdwd floors, insuite laundry & a/c. Fabulous amenities.

$318,500

VARSITY ESTATES

Brand New Luxurious 2 bdrm, 2 bath condo. Features incl: Down-town & Mountain views, hdwd, ceramic & cork flooring, quartz counters, stainless appliance pkg, underground pkg & storage locker. Close to transit, LRT & shopping.

$628,500

ROYAL OAK

Spacious 1,705 sqft 2 storey, 3 bedroom townhome with 2½ baths, cozy fireplace, walk-out basement & convenient double attached garage. Well maintained complex and is close to the LRT, parks, shopping and the ring road system.

$438,500

CONNAUGHT

Immaculate & tastefully decorated 2 bdrm condo with floor to ceiling windows & panoramic downtown views. Features a cozy fireplace, in-suite laundry, & underground htd parking stall. Amenities incl a fitness centre w/steam room.

$339,900

DISCOVERY RIDGE

Stylish 3 bdrm, 3 bath townhouse featuring vaulted ceiling, hdwd, ceramic tile flooring, corner gas fireplace, gorgeous kitchen w dark wood cabinetry, granite, black appliances, island w/dual sinks, el-evated deck & dbl garage.

$479,900

ACADIA

3 bedroom townhouse in a quiet location and walking distance to the LRT and shopping. This home is in lovely condition with up-graded appliances & flooring, in a quiet setting and has a private fenced South yard.

$318,500

MISSION

Fantastic price, river & tree top views from your sunny South balcony in this Contemporary 2 bdrm, 2 bath condo. Cozy gas fireplace, Stainless Appliances, granite counters & titled parking stall! $399,900

STRATHMORE

Sunny 3 bedroom, 1½ bath 2 storey with developed lower level, single garage & private fenced yard. Features a white kitchen with island with breakfast bar, master bedroom with double closets. Close to schools & playground. $219,900

SILVERADO

Charming 2 storey with 2 bedrooms & 2 baths + single garage. Open plan featuring 9’ ceilings, cozy gas fireplace, large kitchen w/extended espresso cabinetry, stainless appliances & breakfast bar. Laundry room is on the upper level.

$319,900

OAKRIDGE

Ideal Oakridge location for this 2 bedroom townhouse w/covered carport. Walking distance to shopping, transit & Glenmore Park. 2 spacious bedrooms on the upper level & a sunny west facing sun-deck. This unit backs to an inner courtyard.

$189,900

WOODLANDS

Totally remodelled kitchen and bathrooms in this 3 bedroom bun-galow. The living room features a natural stone fireplace and also a cozy family room developed on the lower level. Close to Fish Creek Park, transit, schools & shopping.

$399,900

LAKE BONAVISTA

Substantially updated 3 +1 bdrm home with fully finished lower level and double heated garage. Features incl: 3 fireplaces, soaker tub, newer kitchen, baths, flooring & paint. Close to 2 elementary schools, transit shopping & the lake.

$548,500

WOODBINE

Elegant contemporary executive home backing onto Fish Creek Park. Total of 4 bedrooms, 3½ baths. Gourmet kitchen, in-laid limestone & tile flooring. Professionally landscaped with terraced decking, patio and heated pool.

$1,450,000

VARSITY ACRES

Prime Varsity Location! Totally renovated 2 storey split with a pro-fessionally finished lower level. Fabulous gourmet kitchen, East yard with Sport Court and backs onto a beautifully treed park. Close to transit, LRT & shopping.

$1,150,000

SOLD

SOLD

CONNAUGHT

Stunning 2 storey Rooftop Penthouse with Panoramic Views. Bright open floor plan featuring 3 bedrooms (each w/ensuite), huge private deck & 3 titled parking stalls. Walking distance to downtown and the 17th Avenue entertainment district.

$1,350,000

SOLD

LANDAN REAL ESTATE

403-256-38881-800-661-6262

LANDAN REAL ESTATE

[email protected]

ACHIEVEMENTS• RE/MAX Platinum Club • RE/MAX President’s Club

• Chairman’s Club • Member of MLS Million Dollar Club

””[email protected]

“For the best in Quality Service

ROYAL OAK

Spacious 1,705 sqft 2 storey, 3 bedroom townhome with 2½ baths, cozy fireplace, walk-out basement & convenient double attached garage. Well maintained complex and is close to the LRT, parks, shopping and the ring road system.

$438,500

STRATHMORE

Sunny 3 bedroom, 1½ bath 2 storey with developed lower level, single garage & private fenced yard. Features a white kitchen with island with breakfast bar, master bedroom with double closets. Close to schools & playground. $219,900

SILVERADO

Charming 2 storey with 2 bedrooms & 2 baths + single garage. Open plan featuring 9’ ceilings, cozy gas fireplace, large kitchen w/extended espresso cabinetry, stainless appliances & breakfast bar. Laundry room is on the upper level.

$319,900

Residential

SOUTHWOOD

Spacious 3+2 bedroom, 2 full bath home with a huge private yard. Features an updated kitchen, updated bathrooms, formal dining room, & a huge living room with fireplace. The fully finished base-ment includes a 2nd fireplace.

$499,900

SOUTHWOOD

Terrific curb appeal in this substantially updated 3 +1 bdrm home with professionally developed lower level. Gourmet kitchen, 3 full baths, front veranda, fabulous park-like yard with many trees & perennials plus an o/s deck.

$669,900

WOODLANDS

Totally remodelled kitchen and bathrooms in this 3 bedroom bun-galow. The living room features a natural stone fireplace and also a cozy family room developed on the lower level. Close to Fish Creek Park, transit, schools & shopping.

$399,900

SOMERSET

Bright, open 2+1 bdrm, 3 bath 1,644 sqft home features: prof. developed walkout, vaulted ceiling, kitchen w/butcher block island & walk-in pantry, cozy 2 sided fireplace & large private deck Close to schools, transit, shopping & more.

$569,900

BRIAR HILL

Stylish & elegantly renovated home on a 50’ lot. 4 bedrooms & 4 luxurious bathrooms hardwood & tile throughout, Chef’s kitchen with professional appliances, formal living & dining rooms, profes-sionally developed walkout. And so much more.

$1,350,000

LAKE BONAVISTA

Substantially updated 3 +1 bdrm home with fully finished lower level and double heated garage. Features incl: 3 fireplaces, soaker tub, newer kitchen, baths, flooring & paint. Close to 2 elementary schools, transit shopping & the lake.

$548,500

HILLHURST

Elegant 2195 sqft 3 bdrm, 3½ bath 2 storey with great curb ap-peal. Features incl: front veranda, park-like landscaping, hdwd flooring, 2 bay windows, gourmet kitchen, double garage & close to Kensington shops, downtown & river path system.

$1,350,000

WOODBINE

Elegant contemporary executive home backing onto Fish Creek Park. Total of 4 bedrooms, 3½ baths. Gourmet kitchen, in-laid limestone & tile flooring. Professionally landscaped with terraced decking, patio and heated pool.

$1,450,000

PARKLAND

Substantially updated 3 +1 bdrm, bungalow. Upgrades incl: shingles, windows, paint, lighting, hdwd, carpet, cabinetry & ap-pliances. Fully finished lower level, 2 fireplaces, huge tiered deck & solar panelled in-floor heating in dbl garage.

$529,900

VARSITY ACRES

Prime Varsity Location! Totally renovated 2 storey split with a pro-fessionally finished lower level. Fabulous gourmet kitchen, East yard with Sport Court and backs onto a beautifully treed park. Close to transit, LRT & shopping.

$1,150,000

SOLD

KELVIN GROVE

Spectacular development in this totally renovated home on a 70’ lot. Over 4000 sqft of development. This home is new from the studs in and the studs out including insulation.

$1,550,000

SOLD

CONNAUGHT

Stunning 2 storey Rooftop Penthouse with Panoramic Views. Bright open floor plan featuring 3 bedrooms (each w/ensuite), huge private deck & 3 titled parking stalls. Walking distance to downtown and the 17th Avenue entertainment district.

$1,350,000

SOLD

Rural

IRRICANA

This parcel contains 80 ACRES of PRIME cultivated farm land and is located adjacent to the East of Range Road 263, one mile North of Highway #9 and 2 miles North of the Town of Irricana in the Municipal District of Rockyview.

$449,900

David Crick

Shaganappi $699,000

Highwood $769,000

Well maintained home, on a 44 x 136 ft MC1 lot, suitable for building 5 town hous-es. 1750 sq ft fully development basement, large oversized dble detached garage. MLS C4000300

Located close to all amenities this 1927 sq ft home has 3+1 bedrooms, 3.5 baths which includes the 6pc ensuite. Base-ment is completely developed and in-cludes a wet bar and a huge entertainment centre. Vaulted ceil-ings upstairs along with an open con-cept � oor plan. Walk to shops, restaurants and coffee bars; over the river to down-town or up the hill to SAIT and the Jubilee Auditorium.

Capital Hill $950,000

Almost 5000 Sq ft of living space, featuring 1000 SQ Ft living room & dining room area. Main � oor master bedroom suite, 3 bedroom up, 5th bedroom. 1000 sq ft rec room, set up for separate entry for potential suite. triple detached garage, quite location. Text Code 10163 to 333-44

Lyalta Acreage $639,000

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

Mount Pleasant $259,900

MLS C4014134 New condo available for immediate possession. This one bedroom unit has laminate � oors, high gloss cabinets and quartz countertops. Located close to shopping and public transit and within walking distance to SAIT. All units have in suite laundry. There is a 4 piece ensuite and a half bathroom. This unit would be a great investment for a student. Appliance pkg will be Fridgidare. New Home Warranty is with National. Call Amar 403 542 9914 for more information.

Montgomery $399,000

half duplex with 6 bedrooms, 2 kitchens, suitable for renting out by room at $600 each. Close to transportation. MLS C4001939

Abbeydale $110,000

MLS 4007874. This mobile home has an updated kitchen with tiled backsplash and counter tops. Includes a counter top electric stove. There is a walk-in pantry and a separate storage area. There is a large sunroom and deck which is partially covered. The master bedroom has a 4 piece ensuite. There is a storage shed in the backyard and the storm pond is close by for you to enjoy a nice walk. The clubhouse includes an exer-cise room, hot tub, and sauna. There is also a social room, games room and banquet facilities available.

Lomond $75,000

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

[email protected]

Shaganappi $699,000

Highwood $769,000

Well maintained home, on a 44 x 136 ft MC1 lot, suitable for building 5 town hous-es. 1750 sq ft fully development basement, large oversized dble detached garage. MLS C4000300

Located close to all amenities this 1927 sq ft home has 3+1 bedrooms, 3.5 baths which includes the 6pc ensuite. Base-ment is completely developed and in-cludes a wet bar and a huge entertainment centre. Vaulted ceil-ings upstairs along with an open con-cept � oor plan. Walk to shops, restaurants and coffee bars; over the river to down-town or up the hill to SAIT and the Jubilee Auditorium.

Lyalta Acreage $639,000

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

Mount Pleasant $381,800 Mount Pleasant $259,900

MLS C4012463 Wonderful new condo. 1 & 2 bedroom units are still available. This 2 bedroom unit has 2 full baths. Laminate � oors through out. The kitchen has quartz countertops and high gloss cabinets and walk-in pantry. Every unit has it’s own laun-dry. This is a top � oor unit that is facing south so it has a wonder-ful view of downtown. Located close to all amenities and within walking distance to SAIT. Frigidaire appliances will be installed. New Home Warranty is with National Call Amar 403 542 9914 for more information.

MLS C4014134 New condo available for immediate possession. This one bedroom unit has laminate � oors, high gloss cabinets and quartz countertops. Located close to shopping and public transit and within walking distance to SAIT. All units have in suite laundry. There is a 4 piece ensuite and a half bathroom. This unit would be a great investment for a student. Appliance pkg will be Fridgidare. New Home Warranty is with National. Call Amar 403 542 9914 for more information.

Rosedale $734,000

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

Abbeydale $110,000

MLS 4007874. This mobile home has an updated kitchen with tiled backsplash and counter tops. Includes a counter top electric stove. There is a walk-in pantry and a separate storage area. There is a large sunroom and deck which is partially covered. The master bedroom has a 4 piece ensuite. There is a storage shed in the backyard and the storm pond is close by for you to enjoy a nice walk. The clubhouse includes an exer-cise room, hot tub, and sauna. There is also a social room, games room and banquet facilities available.

REAL ESTATE [email protected]

6 • HomeGuide | Volume15 Issue06

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

PROFESSIONALISM SERVICE RESULTS

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

MOUNT ROYAL $3,900,000

visit RAYRILEY.com

LAKE HOMES FOR SALE IN CALGARY

RIDGE HOMES WITH SPECTACULAR VIEWS IN CALGARY

LUXURIOUS HOME FOR SALE IN CALGARY

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

McKenzie Lake homeoffers stunning views, lake privileges

Nestled on the ridge and backing onto Fish Creek Park, buyers will adore this fabulous McKenzie Lake

home that offers stunning views of the mountains, river and city skyline along with exceptional features inside and out.

“This home gives you the best of both worlds – you’re on the ridge so you have incredible views, and you have lake privileges so you can enjoy the water,” says luxury home realtor Ray Riley of Royal LePage Foothills. “This

home is unique because it lives like a bungalow with a large master bedroom and ensuite on the main floor, plus it has additional space upstairs with two bedrooms and a bonus room, so it’s ideal for a family or empty nesters.”

This immaculate two-storey split with double attached garage offers 4,350 sq. ft. of living space including a fully developed lower level walkout and showcases a bright open concept, vaulted ceilings, arches, tigerwood hardwood floors, oversized windows and skylights.

The gourmet kitchen features an expansive island below a skylight in the vaulted ceiling, granite countertops, walk-in pantry, and stainless steel appliances including a six-burner gas stove and built-in wall oven and microwave.

Beside the kitchen, the dining nook has double glass doors that open to the upper deck, and the Great Room space is defined by its own vaulted ceiling and highlighted by a contemporary gas fireplace surrounded in black granite.

The main-floor master bedroom has a vaulted ceiling and a spa-like ensuite featuring a heated tile floor, jetted tub, separate shower and walk-in closet. There is also an elegant formal dining room, a den and laundry room on this level.

The second level has two bedrooms that share a Jack ‘n’ Jill bathroom and a huge bonus room, while the lower level features a large family room with gas fireplace, built-in cabinets and a wet bar, two bedrooms with three-piece ensuite and a six-person sauna. You can walk out to a massive lower patio and enjoy the fully fenced, landscaped backyard.

For more information on this home at 85 Mount Alberta View, contact Ray Riley, Royal LePage Foothills, at 403.270.7601 or visit rayriley.com

B Y H E AT H E R R YA N

featureproperty

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

PROFESSIONALISM SERVICE RESULTS

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

MOUNT ROYAL $3,900,000

visit RAYRILEY.com

LAKE HOMES FOR SALE IN CALGARY

RIDGE HOMES WITH SPECTACULAR VIEWS IN CALGARY

LUXURIOUS HOME FOR SALE IN CALGARY

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

McKenzie Lake homeoffers stunning views, lake privileges

Nestled on the ridge and backing onto Fish Creek Park, buyers will adore this fabulous McKenzie Lake

home that offers stunning views of the mountains, river and city skyline along with exceptional features inside and out.

“This home gives you the best of both worlds – you’re on the ridge so you have incredible views, and you have lake privileges so you can enjoy the water,” says luxury home realtor Ray Riley of Royal LePage Foothills. “This

home is unique because it lives like a bungalow with a large master bedroom and ensuite on the main floor, plus it has additional space upstairs with two bedrooms and a bonus room, so it’s ideal for a family or empty nesters.”

This immaculate two-storey split with double attached garage offers 4,350 sq. ft. of living space including a fully developed lower level walkout and showcases a bright open concept, vaulted ceilings, arches, tigerwood hardwood floors, oversized windows and skylights.

The gourmet kitchen features an expansive island below a skylight in the vaulted ceiling, granite countertops, walk-in pantry, and stainless steel appliances including a six-burner gas stove and built-in wall oven and microwave.

Beside the kitchen, the dining nook has double glass doors that open to the upper deck, and the Great Room space is defined by its own vaulted ceiling and highlighted by a contemporary gas fireplace surrounded in black granite.

The main-floor master bedroom has a vaulted ceiling and a spa-like ensuite featuring a heated tile floor, jetted tub, separate shower and walk-in closet. There is also an elegant formal dining room, a den and laundry room on this level.

The second level has two bedrooms that share a Jack ‘n’ Jill bathroom and a huge bonus room, while the lower level features a large family room with gas fireplace, built-in cabinets and a wet bar, two bedrooms with three-piece ensuite and a six-person sauna. You can walk out to a massive lower patio and enjoy the fully fenced, landscaped backyard.

For more information on this home at 85 Mount Alberta View, contact Ray Riley, Royal LePage Foothills, at 403.270.7601 or visit rayriley.com


featureproperty

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

www.allisonjames.com

SONIA MOLINA

[email protected]

WESTGATE $549.000

Beautiful bungalow • kept by original owner4+1 Bedrooms 2 full • bathroomsHardwood oak floors• Detached double • garageFinished basement• Huge backyard• MLS: C4006440•

SPRUCE CLIFF$849,900

Stunning 2,163 sq ft • penthouse condo10 ft ceilings, 2+1 BDR. • 2 Bath. Galore balconies with • views of Shaganappi Golf Course and downtownTwo titled parking stalls• In floor heating under • wood flooringEasy to show anytime•

3816 17 St SW$1,295,000

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

104 2420 34 AV SW, $255,000

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

JASON WILSON

[email protected]

ROSE-MARIE LAFOND

[email protected]

67 RIDGE VIEW PLACE COCHRANE$1,250,000

3200+ sqft above • gradetriple car heated • garage10 ft ceilings• upgraded DACOR • appliancessteam shower•

CONT’D

C4004422 cont’d• stunning mountain views • covered deck w/ • fireplace1300+ walk-out w/ • heated floorswet bar, wine room• gym and more!!!• MLS C400442•

www.century21bamber.ab.ca

ALLISON JAMES

[email protected]

IMMACULATE, BRIGHT INNERCITY TOWNHOUSE!

Great downtown • views!Rare double • attached garage2 Bedrooms plus • den and 2 full bathrooms MLS#C3648326•

40 EVERHOLLOW HEIGHTS

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

SOLD

SOLD

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

Get started!

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

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

Jessica WilsonEDITOR

Lydia McNutt

MEDIA CONSULTANTAnita van BreevoortPhone: 403.461.5518

CONTRIBUTING EDITORSSara Duck (on leave)Wayne KarlElisa Krovblit

NATIONAL CIRCULATION MANAGER

John Jenkins

SENIOR PRODUCTION MANAGERBala Gnanapandithan PRODUCTION MANAGERNikki YarwoodGRAPHIC DESIGNER/DISPLAY ARTISTMike Terentiev, Bei ZhangPRODUCTION COORDINATORSwinder Jodhka

PRINTINGTranscontinental, LGM - Coronet

FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518

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

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

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

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

CENTURY 21Allison James . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41David Crick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Jason Wilson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41Rose-Marie Lafond . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41Sonia Molina . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41

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

RE/MAX REAL ESTATEDianne Brown . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2Don Lothian. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24Matt Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Robert Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

ROYAL LEPAGE REAL ESTATEChris Zaharko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Ray Riley. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Serhan Tarkan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Back Page

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

PROLINKLori Ames. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29

THE MORTGAGE GROUP ALBERTAStuart Pocock. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41

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

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

RECREATIONAL PROPERTIESWhispering Pines Golf & Country Club . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39

REMAX VERNON Carol Shalevelo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36

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Volume15 Issue06 HomeGuide • 9

VOLUME 15 ISSUE 6 | JUNE 12 - JULY 10, 2015

contents

IN THIS ISSUE MAPS & EXTRAS

06. FEATURE PROPERTY McKenzie Lake home offers stunning views, lake privileges, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

16. EDITOR’S NOTE

21. MARKET ANALYSIS Calgary home sales – and morale – up month over month by Heather Ryan

26. AROUND THE HOUSE Get photo ready by Laura Le

29. IN THE NEWS Low lending rates changing Canadians’ mortgage habits by Lydia McNutt

31. MAKE YOUR MOVE Prepare for the mass exodus by Chuck Resnick

32. NEIGHBOURHOOD PROFILE Welcome to Marda Loop by Kait Kucy

38. IN THE NEWS Recreational property market awakens in Canada, and Alberta could be the place to look!

42. FEATURE PROPERTY Award-winning builder crafts exquisite contemporary home in Elbow Park, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

46. FUNDAMENTALLY SPEAKING Housing valuations: who and what to believe by Wayne karl

42

MAPS & EXTRAS

18, 20, 30 & 34. Calgary maps, communities and MLS numbers

35. Recreational properties

40. Out-of-town regional map

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

FOR ADVERTISING INFORMATION CALL 403.461.5518

NEXT DEADLINE: JUNE 25TH, 2015

26

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38


VOLUME 15 ISSUE 6 | JUNE 12 - JULY 10, 2015

contents

IN THIS ISSUE MAPS & EXTRAS

06. FEATURE PROPERTY McKenzie Lake home offers stunning views, lake privileges, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

16. EDITOR’S NOTE

21. MARKET ANALYSIS Calgary home sales – and morale – up month over month by Heather Ryan

26. AROUND THE HOUSE Get photo ready by Laura Le

29. IN THE NEWS Low lending rates changing Canadians’ mortgage habits by Lydia McNutt

31. MAKE YOUR MOVE Prepare for the mass exodus by Chuck Resnick

32. NEIGHBOURHOOD PROFILE Welcome to Marda Loop by Kait Kucy

38. IN THE NEWS Recreational property market awakens in Canada, and Alberta could be the place to look!

42. FEATURE PROPERTY Award-winning builder crafts exquisite contemporary home in Elbow Park, presented by Ray Riley, Royal LePage Foothills by Heather Ryan

46. FUNDAMENTALLY SPEAKING Housing valuations: who and what to believe by Wayne karl

42

MAPS & EXTRAS

18, 20, 30 & 34. Calgary maps, communities and MLS numbers

35. Recreational properties

40. Out-of-town regional map

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

FOR ADVERTISING INFORMATION CALL 403.461.5518

NEXT DEADLINE: JUNE 25TH, 2015

26

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38

29 Volume15 Issue06 HomeGuide • 11

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

P: 403.249.4322F: 403.252.2653

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

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

4700 square feet of development• 6 bedrooms• pie shaped lot in cul-de-sac•

838 Kincora Bay

$834,900

211/213 11A St NE

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

The Montana - Premier penthouse offi ce condo

$4,485,000

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

Custom Built• Backs to Fish • Creek Park3000 sf • developed living space3 bd 4 bath•

Kelvin Grove

115, 250 New Brighton Villas

Discovery Ridge Condo 268 Deer Run Cres (Foreclosure)$359,900 $830,000


P: 403.249.4322F: 403.252.2653


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

4700 square feet of development• 6 bedrooms• pie shaped lot in cul-de-sac•

838 Kincora Bay

$834,900

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

211/213 11A St NE

$819,900

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

The Montana - Premier penthouse offi ce condo

$4,485,000

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

2 bed 2 bath• Titled • underground parkingCork fl ooring & • granite counters

Custom Built• Backs to Fish • Creek Park3000 sf • developed living space3 bd 4 bath•

Extensively • upgradedClose to Elbow • RiverAttached • garage

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

Kelvin Grove

115, 250 New Brighton Villas

2316 Erlton Place

67 Mysti c Ridge Way

$1,390,000

$279,900

$830,000 $649,900

$1,699,000•


P: 403.249.4322F: 403.252.2653


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

Garrison Woods Townhouse

Commercial Property & Business for Sale

Mount Royal Character Home

4 bed 3.5 bath• 2125 sq ft• Corner lot•

180 Strathlea Place SW $724,900

Former • showhome2 bed + loft• Granite & • Stainless steel in kitchenHuge balcony • with city views

1417 sq ft • bungalow3 bed 2.5 bath• Sold as-is where is•

Signature Park 406 Riverside Green$628,900 $240,000


P: 403.249.4322F: 403.252.2653


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

Over 3,000 square feet• 3 beds + 3 baths• Double detached garage• Close to all Amenities•

Business + building for sale• 10 exam rooms• 3,000 sq ft developed space•

Vaulted ceilings & skylights• Built-in bookshelves• Updated kitchen•

Garrison Woods Townhouse

Commercial Property & Business for Sale

Mount Royal Character Home

$729,000

$1,450,000

$1,180,000

4 bed 3.5 bath• 2125 sq ft• Corner lot•

$724,900

1417 sq ft • bungalow3 bed 2.5 bath• Sold as-is where is•

$240,000

We’re all aware of the importance of location when it comes to real estate. Choosing the right one involves a careful balance of lifestyle and budget. A home is a big investment, so consider all the avenues –

downtown, and out of town – before pinpointing your preferred location.You can’t dispute the countless benefits of a downtown address: employment,

amenities and entertainment at every turn; a car-free, commute-free existence; and of course, rapidly rising real estate values. But for many hopeful homebuyers, it’s these sky-high values that put them on the doorstep of home ownership without the means to get their foot over the threshold.

By venturing outside of the city core, many home hunters are finding the square footage they desire at prices they can afford.

When I moved to the suburbs, my family was quick to comment, “That’s so far!” My question is, “Far from what?” What do I really want and need close to home? Shopping, services and grocery stores? Check. Schools and parks? Check. Access to highways and public transit? Check. All that, and the square footage my family needed and wanted in a home, made the suburbs the right choice for us.

While a downtown dwelling would have been a blast in my heyday, my view of “needs” versus “wants” have changed over the years. I’ve gladly given up pubs and clubs for schools, parks, and movie nights in my dedicated media room.

Of course, the suburbs aren’t for everyone. Some will gladly trade some square footage for the go, go, go of the big city. Location really is a matter of personal preference.

Consider your needs today and in the future, and explore everything Calgary has to offer. You may be surprised at where you end up!

Lydia McNuttEDITOR [email protected]

Follow me on Twitter at Twitter.com/LydiasTweets

During periods of market fluctuation and uncertainly, people may be hesitant to move or buy a home, saying they are waiting for “better times.” The issue with this approach is that better times usually become

evident only after prices and interest rates have already risen. Potential homebuyers who have been sitting on the fence soon find they have missed a valuable opportunity to get their pick of a ripe marketplace.

Before you hunt for your next home, do some homework. Take the time to get pre-approved for a mortgage so you can shop with confidence. Not only does being armed with a pre-approval define what you can afford, it locks you into today’s excellent mortgage rates for 90 days or more. Locking in means you don’t have to worry about rising mortgage rates and if they drop, yours should too.

Be sure to get your home-buying team together well before you shop. Choose an experienced realtor who is familiar with the neighbourhoods you’re considering, along with a specialized real estate lawyer and mortgage expert. Having these key people in place will make your transaction easier and less stressful, regardless of market conditions.

Susan Legge EDITOR-IN-CHIEF Yellow Pages NextHome, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

GET OFF THE FENCE

and make your move

editor’snote

CITY VERSUS SUBURBS:

Weigh your options

To View These Properties go to www.robertcote.ca

House of Real EstateHouse of Real EstateHouse of Real Estate

Specializing in Eau ClaireCondominiums Since 1991

www.robertcote.ca403-850-4290

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

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

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

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

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

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

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

COMPLETELY RENOVATED! EAU CLAIRE ESTATES - $659,900

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

SPECTACUALR VIEWS! - EAU CLAIRE - PRINCETON HALL - $2,195,000


zoneCOMMUNIT IES & MLS NUMBERSzoneCOMMUNIT IES & MLS NUMBERS

STONEY TR

DEERFOOT TR

TRANS CANADA HI

16 AV

Pt. McKay

GreenwoodGreenbiar

CROWCHILD TR

STONEY TR

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

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


email:[email protected]

Five Year Fixed Rate

2.64%

Call (403) 863-1293 Today!

Need a mortgage?

PRO LINK MORTGAGE

zoneCOMMUNIT IES & MLS NUMBERSzoneCOMMUNIT IES & MLS NUMBERS

STONEY TR

DEERFOOT TR

TRANS CANADA HI

16 AV

Pt. McKay

GreenwoodGreenbiar

CROWCHILD TR

STONEY TR

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

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

G a r y

M a t tWilliams

Ca

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Sa

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.Ca

Call NoW For a Free

eValUatIoN oF yoUr CalGary

ProPerty

259.414140

3

Scarboro

$1,345,000Beautiful home located on a large corner lot in the heart of highly sought after Scarboro. A centre hall plan with spacious living room, formal dining room, renovated kitchen with top of the line stainless steel appliances, granite counters, large island and computer desk open to a family room with wet bar. The main floor features hardwood flooring, beautiful draperies, California shutters, 2 wood burning fireplaces, a powder room and mudroom. The upper level includes a master suite with 2 walk-in closets, ensuite with heated floors and 2 bright, good sized bedrooms and a renovated 4pc bath. The well-developed basement provides a rec room, wine room, bedroom, 3 pc bath, and plenty of storage. Beautifully landscaped with abundant trees, shrubs, interlocking brick patios and walkways. Oversized double detached garage. Close to Triangle Park, Sunalta school, restaurants, downtown. Upscale inner city living at its finest!

Ken YeohBroker/Owner

FREE Quick OnLine Home Evaluation

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

GARRISON GREEN

$8

79

,50

0

Great bungalow with 4-car side parking pad.• 1076sf 5 bedrooms & 2 baths• Bright kitchen & hardwood floors throughout• Separate entrance to fully dev basement• 2-bedroom non conforming suites• Walk to schools & close to all amenities• 10-minute drive to downtown• Easy access to Deerfoot & Stoney Trail•

RADISSON HEIGHTS

$3

25

,00

0

NEW LISTING

403.803.8981 www.mapleleafrealty .ca

MO

NTH

LY S

TATI

STIC

S

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

$4

19,9

00

WHITEHORN

SOLD

$3

99

,80

0

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

COVENTRY HILLS

City of Calgary Apr-14 Apr-15 % change May-14 May-15 % change

Total Sales 2,521 1,952 -22.57% 2,867 2,174 -24.17%

New Listings 3,734 3,064 -17.94% 4,225 3,105 -26.51%

Active Listings 3,820 5,598 46.54% N/A 5,462 N/A

Median 428,000 418,000 -2.34% 435,000 433,250 -0.40%

Average Price 476,837 469,660 -1.51% 485,648 478,805 -1.41%

Days on Market 27 40 48.15% 27 40 48.15%

Benchmark Price 443,400 451,600 1.85% N/A N/A N/A

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

SOLD


zoneCOMMUNIT IES & MLS NUMBERS

DEERFOOT TR

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

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

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

Low lending rates changing Canadians’mortgage habits

Canadians have been sitting in an ultra-low mortgage interest rate environment for years. Just when we thought rates couldn’t go any lower, they did, as the

Bank of Canada dropped its key lending rate to 0.75 per cent in January, and the big banks followed suit. At the BoC’s latest rate announcement on May 27, that rate stayed put.

Twenty years ago, the lending rate for a five-year, fixed-rate mortgage was 10.75 per cent. Back in 1981, it was 20.25 per cent! (source: RateHub.ca) Today’s numbers in the two-per-cent range are hard to believe, and they’re changing how Canadians handle their debt load.

Canadians are doing everything they can to make the most of these low lending rates, according to the 2015 Mortgage Consumer Survey by conducted Canada Mortgage and Housing Corp. (CMHC).

SURVEY SAYS…According to CMHC, 60 per cent of mortgage renewers did so before their mortgage term expired, and 55 per cent of them did it to avoid a rise in rates in the future.

Furthermore, mortgage renewers reported taking action to pay off their mortgage sooner. Forty-nine per cent set their mortgage payment higher than the minimum required, while 32 per cent made either lump-sum payments, increased their regular payment, or both.

GOING BROKER:CMHC also investigated the share of mortgage consumers who used the services of a mortgage broker. The survey found that broker market share is on the rise, having increased from 32 per cent in 2012 to 42 per cent in 2015.

Almost twice as many homebuyers (both first-time and repeat) used a broker (49 per cent), versus existing homeowners who were refinancing their mortgage (24 per cent). LENDER LOYALTY:When it comes to loyalty, first-time homebuyers were flightier than their repeat-buyer counterparts. Renewers were more likely to stay with their current lender (86 per cent) whereas only 47 per cent of first-timers stuck with the financial institution they deal with regularly.

Interest rates were the main reason for consumers to jump ship to another lender, at 63 per cent.

B Y L Y D I A M C N U T T

Lydia McNutt is an award-winning writer and editor of New Home Guide. 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. Email [email protected],and follow her on Twitter @LydiasTweets

inthenews


email: [email protected]

My experience and service will work for you.

PRO LINK MORTGAGE

Call (403) 863-1293 Today!

Need a mortgage?

Volume15 Issue06 | HomeGuide • 21

marketanalysis

Calgary home sales – and morale – up month over month

Sales and listings in Calgary were down year-over-year in April. But month-over-month, sales are up, as is morale, according to Corinne Lyall, president of the Calgary Real Estate Board.

“At the start of the year, people were concerned with what was happening with oil prices and the economy, so we saw a flurry of homes being placed on the market,” Lyall says. “But that fear has eased off and it doesn’t make sense to put your house on the market if you’re not under pressure to sell.

“The good news is the price of oil has been fluctuating between $58 and $62 over the last few weeks, so that consistency gives buyers more confidence to make a move,” she adds.

FACTS & FIGURES April saw home sales up month-over-month across all housing types, reaching 1,957 – an increase of 8.9 per cent from the 1,782 sales in March, but down 22.4 per cent from the 2,521 sales recorded in April 2014.

Single-family home sales in April were 1,149, a 25-per-cent drop from the 1,533 sales tallied in April 2014, but a 5.8-per-cent hike above March’s 1,082. Condo townhouse sales, at 458, were down 14.2-per-cent in April over the same month last year, but up 13.3 per cent from March’s 397. Meanwhile, condo apartment sales in April were 350, down 22.9 per cent from the 454 in April 2014, but in line with the trend, up 13.4 per cent from March’s 303.

“We did see good activity in April and there are lots of buyers out there,” Lyall says. “In the last two years, the condo market was leading the way because of a lack of inventory in the single-family market under the benchmark price, but with more listings in single-family, it gives first-time buyers more opportunity to get into that market segment.”

Meanwhile, after huge gains in the number of new listings at the start of the year, April saw double-digit declines. Although it should be noted that the total overall inventory is more than 40 per cent higher than in April 2014.

The total combined new listings added in April were 3,064, down 17.9 per cent from the 3,734 recorded in April 2014, and down 2.3 per cent from March’s 3,136.

The number of new detached listings added in April was 1,774, a 21.3-per-cent decline from the 2,254 in April 2014, and a slight drop from March’s 1,776.

New attached listings added in April was 680, down 13.5 per cent from the 786 listings added in April 2014 and down slightly from March’s 689.

New apartment listings added in April were 610, a 12.1-per-cent drop from April 2014’s 694, and down 9.1 per cent from March’s 671.

Fewer sales and more inventory compared to last year has caused a slight dip in prices in some areas.

The detached benchmark price in April was $510,200, a 1.9-per-cent increase over April 2014’s $500,800, but down a fraction from March’s $513,800. The attached homes benchmark price in April was $353,300, a 3.4-per-cent hike over $341,800 in April 2014, and a tiny dip from March’s $354,800. The apartment benchmark price in April was $291,300, down a notch from April 2014’s $291,800, and a slight drop from March’s $293,300.

“People ask me why benchmark are prices not shifting more if there is more inventory, but in my opinion it’s because buyers who couldn’t get into the market in the last two years are eating up the market in the $500,000-and-under range, so those prices are staying flat with a greater shift in prices being with the higher-end homes,” Lyall says.


$314,900

Lower Mount royaLLuxurious 1 Bdrm, 1 Bathr Condo in Lower Mount Royal. The Beringer is a Boutique Concrete & Steel Construction Building perched on the hillside and the elevated ground flr unit gives you beautiful East Views, Downtown and 17th Ave. Large 215 sq. ft patio that is perfect for outdoor BBQ’s and entertaining. The kitchen showcases s/s countertops, backsplash and solid flat panel maple cabinets. S/S Appliances with gas stove and garburator. Spacious master bdrm with walk in closet. Spa like bath and full size washer/dryer in laundry rm. Solid maple hardwood flrs throughout with in-floor heating, Air conditioning and gas fireplace. Also included is the largest underground heated titled parking stall in the complex with storage cage in front. This unit is well maintained and pride of ownership prevails throughout. MLS#C4003369

Great Location!

$347,900

ruraL Mountain View countyWonderful 74.7 acres of mixed trees and open areas, only 10 minutes to Sundre. Large dugout on East side, close to $10,000 in revenue annually from pasture rental and oil lease. Great building site for your dream home and enjoy nature at its best. MLS#C4007122

BuiLd your dreaM HoMe!

$389,900

ruraL rockyView countyMountain view lot on 2 acres. Build your dream home. Close to amenities in Calgary and Cochrane. Country setting. MLS#4008306

Mountain Views!

$389,900

wiLLow ParkUpdated bi level in the mature community of Willow Park. 3 bedrooms and 2 baths. Bright and open living room with hardwood floors open to dining room. Updated kitchen with stone packed centre island, slate floors and black appliances. Door off kitchen to big back deck. Large master bedroom and 2 other good sized bedrooms. Updated 5 piece modern bathroom. Lower level is fully developed with large rec room with laminate floors, bedroom and updated 3 piece bath.. Large west facing backyard and oversized double detached garage. Close to all amenities and schools. Easy access. MLS#C4010328

uPdated Bi LeVeL in wiLLow Park!

$499,800

VaLLey ridGeWelcome to Valley Ridge Estates, top floor unit with over 1041 sq ft located next to the Valley Ridge Golf course. Open concept with 9 ft ceilings, great kitchen layout with lots of cabinets and Quartz countertops, large kitchen island with stainless steel appliances. In Suite laundry with storage. Spacious master bedroom with 3 piece Ensuite with stand up shower and closet. 2nd large bedroom. Titled underground parking and titled storage on the same level. Covered balcony with BBQ gas line. MLS#C4013494

toP fLoor unit!

$409,900

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

oVerLookinG GoLf course!

$529,900

Quarry ParkExecutive 2 storey townhouse condo in showhome condition. Located in the highly sought after community of Quarry park. 2 bedrooms plus a loft and 3 bathrooms. Very bright and open plan. 9ft ceilings on main floor. Gourmet kitchen with centre island and breakfast eating area with granite countertops, designer tiled back splash and s/S appliances. Hardwood floors throughout main floor. Patio and south facing yard backing onto a walking path. Staircase leading upstairs to large master bedroom with 3pc ensuite with ceramic tile flooring and huge walk in closet. Good sized 2nd bedroom and loft area, ideal for den or TV area. Bsmt is ready for development.Single attached garage. Quiet location. Close to transportation, amenities and restaurants. MLS#C4002398

executiVe townHoMe!

$419,900

edGeMontExtensively Updated 2 Storey split with walkout bsmt in show home condition. Total of 5 bdrms & 4 baths.Formal Living & dining rm. Updated kitchen open to large eating area & open to sunken family rm with fire place & built ins. Large deck in west backyard. Side entrance for the kids. Newer carpets on second floor & newer laminate floor on main level. Staircase leading upstairs to large master bdrm with updated 3 pc ensuite & walk in closet.Developed walkout with large recreation rm. 2 bdrms, 1 with walk in closet & 3 pc bath.Newer furnace, hot water tank, roof & garage door. All windows were replaced except basement windows. Pride of ownership shown throughout, close to schools & amenities. Quiet location. MLS#C4014485

exceLLent faMiLy HoMe!

$537,888

BridLewoodWell maintained 2 storey close to bird sanctuary. Numerous upgrades. Formal dining rm with pillars and hardwood flrs. Large kitchen with white cabinets, island and s/s appliances. Large eat in nook. Kitchen open to great rm with hardwood flrs and 3 sided gas fireplace. 2pc powder rm and main flr laundry. Second level with massive bonus rm with corner gas fireplace and vaulted ceiling. Huge master bdrm with 4pc ensuite with make up desk and walk in closet. 2 other good sized bdrms and 4pc main bath. Walkout basement is ready for your development. Large private treed backyard. Double attached garage. Great family home. MLS#C4005257

Great faMiLy HoMe!

$474,900

sunset ridGe Brand new Willowdale 2 Landmark home with over 2100 sq ft and walkout bsmt. Front oversized double garage with extra wide driveway. Triple pane windows, high efficiency furnace &tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops & large island open to great rm with gas fireplace. Walk thru pantry. Hardwood flrs throughout main flr. 2pc powder rm. Upstairs boasts a large bonus rm. Master bdrm with 5pc ensuite with soaker tub, separate shower & walk in closet. 2 additional bdrms & 4pc main bath. 2nd flr laundry rm. Undeveloped walkout bsmt provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4003018

Brand new LandMark HoMe!

$559,900

Many uPGrades!

$560,000

Great faMiLy HoMe!

$569,800

coMPLeteLy re done!

$599,900

12 soLar PaneLs!

$589,900

Len T. WongBroker

Laura o’ConneLLAssociate/Partner

HuntinGton HiLLsExtensively updated bungalow with oversized double detached garage in showhome condition. 3 bedrooms and 3 baths.Large living and dining room with hardwood floors. Updated oak kitchen with centre island, newer appliances and newer flooring. Large master bedroom with 2pc ensuite and huge walk in Large deck and south backyard. Developed basement with large family room, bedroom/den with walk in closet and 3pc bath. All windows have been replaced. Professionally landscaped yard. Oversized double detached garage with separate panel and working area. RV parking and huge 10x10 shed. Quiet location. Easy access to Deerfoot, amenities, transportation and schools. Excellent family home. Exceptional value! MLS#C4011296

extensiVeLy uPdated BunGaLow!

$494,900

wiLLow ParkUpdated bi level in the mature community of Willow Park. 3 bedrooms and 2 baths. Bright and open living room with hardwood fl oors open to dining room. Updated kitchen with stone packed centre island, slate fl oors and black appliances. Door off kitchen to big back deck. Large master bedroom and 2 other good sized bedrooms. Updated 5 piece modern bathroom. Lower level is fully developed with large rec room with laminate fl oors, bedroom and updated 3 piece bath.. Large west facing backyard and oversized double detached garage. Close to all amenities and schools. Easy access. MLS#C4010328

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

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

edGeMontExtensively Updated 2 Storey split with walkout bsmt in show home condition. Total of 5 bdrms & 4 baths.Formal Living & dining rm. Updated kitchen open to large eating area & open to sunken family rm with fi re place & built ins. Large deck in west backyard. Side entrance for the kids. Newer carpets on second fl oor & newer laminate fl oor on main level. Staircase leading upstairs to large master bdrm with updated 3 pc ensuite & walk in closet.Developed walkout with large recreation rm. 2 bdrms, 1 with walk in closet & 3 pc bath.Newer furnace, hot water tank, roof & garage door. All windows were replaced except basement windows. Pride of ownership shown throughout, close to schools & amenities. Quiet location. MLS#C4014485

sunset ridGe Brand new Willowdale 2 Landmark home with over 2100 sq ft and walkout bsmt. Front oversized double garage with extra wide driveway. Triple pane windows, high effi ciency furnace &tankless hot water. Upgraded maple kitchen with soft close hinges, granite countertops & large island open to great rm with gas fi replace. Walk thru pantry. Hardwood fl rs throughout main fl r. 2pc powder rm. Upstairs boasts a large bonus rm. Master bdrm with 5pc ensuite with soaker tub, separate shower & walk in closet. 2 additional bdrms & 4pc main bath. 2nd fl r laundry rm. Undeveloped walkout bsmt provides lots of natural light awaiting your development. New Home Warranty and Builder`s warranty. MLS#C4003018

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

Many uPGrades!

$560,000

kincoraWell Maintained, 2239 Sq.ft 2 Storey Home with Developed Basement in Kincora. Total of 4 bedrooms, 3.5 baths. Located on a quiet street. 9 ft Ceilings on Main Floor and Basement. Main fl oor has offi ce/play area for kids, living room and Large Kitchen with Big Island and Stainless Steel Appliances, Dining room opens to Deck area w/stairs leading to Fenced yard. Upstairs boast a big bonus room, 2 generous sized bedrooms and laundry room. Large master bedroom with 5 piece ensuite w/dual sinks, soaker tub and standup shower. Basement has a Rec Room, additional 4 piece bathroom and extra bedroom. Extra wide garage is fully insulated and drywalled. Great family home!! MLS#C4007844

Great faMiLy HoMe!

$569,800

HaysBoroCompletely re done bungalow on a great street in Haysboro! Everything has been done to this home and it’s ready to move in and enjoy! 5 bedrooms and 2 baths. Gleaming original oak hardwood, freshly refi nished. Spacious fl oor plan with bright and open living and dining room. Complete new kitchen with high end European tiling, quartz and granite countertops and new stainless steel appliances. 3 bedrooms upstairs and new 4 piece bathroom. Lower level has large rec room, 2 bedrooms and new 3 piece bathroom. Complete new plumbing system throughout the home including high end fi xtures. New electrical replacement/upgrade including new panel, grounding system, wiring for induction cook top and all new fi xtures. New triple pane windows throughout. New exterior doors. Newer furnace, humidifi er and water heater and newer roof. The exterior aluminum siding is freshly painted. Large landscaped backyard with mature trees. Lots of room for a double garage. Close to all amenities and easy access. MLS#C4008276

coMPLeteLy re done!

$599,900

cranstonExecutive custom built 2 storey with bonus rm, 3 bdrms, 3 baths & double attached garage. Energy effi cient home with 12 solar panels. Hardwood fl rs thru out main fl r. 9ft ceilings on main fl r. Gourmet kitchen with centre island, breakfast eating bar, granite, designer tiled backsplash & upgraded s/s appliances open to large dining area & huge great rm with gas fi replace. Formal dining rm. 2pc powder rm. Main fl r laundry rm with walk thru pantry to kitchen. Staircase leading upstairs to large master bdrm with spacious 4pc ensuite with large soaker tub, over sized shower, granite countertops and 2 walk in closets. 2 other good sized bdrms & 4pc bath. Large bonus rm. Patio drs leading out from eating area to large cedar deck & landscaped west backyard. Basement is ready for development. Navien tankless water, Nu-Air active recovery ventilation system & mechanical has been upgraded. Spray foam insulation, triple pane windows. Steps from ravine & greenspace. Great family home. MLS#C4004758

12 soLar PaneLs!

$589,900

couGar ridGeWell maintained 2 storey with fully developed basement and double attached garage. 4 bedrooms and 4 bathrooms. Large entry with den with built in desk and shelving and bay window. Hardwood fl oors throughout main fl oor. Gourmet maple kitchen with centre island with breakfast eating bar, granite countertops, walk thru pantry and stainless steel appliances,Large great room with stone packed gas fi replace. Deck off of breakfast nook. Beautiful staircase leading upstairs to large master bedroom with 5 piece ensuite with corner jetted tub, separate shower and walk in closet. 2 other good sized bedrooms and 4 piece. Bsmt fully developed with large rec with built in entertainment unit and corner gas fi replace. Fenced, landscaped yard. Easy access and close to schools and amenities. MLS#C4013114

weLL Maintained!

$674,900

sandstone3000 sqft 2 storey walkout with 4500 sqft of living space. Situated on a quiet cu de sac on a huge pie shaped lot. Main fl oor with formal living room with high ceilings and a massive formal dining room. Oak kitchen with centre island and eat in nook with 2 sided, brick facing fi replace open to sunken great room. Hardwood and tile throughout main fl oor. Spiral staircase leading upstairs to loft area overlooking the formal living room. Master bedroom with 6pc ensuite with double his and hers closets. 2 other large bedrooms. Walkout bsmnt is fully developed with a games room, gym area, wet bar and 2 other bedrooms. Large deck off of nook with stairs leading to concrete patio and large landscaped yard. MLS#C4011333

3000 sQft waLkout!

$749,900

sHaGanaPPiStunning 2 storey attached home in Shaganappi with double detached garage. 3 bedrooms and 3 baths. Hardwood fl oors throughout main fl oor. Spacious living room with bay window. Gourmet kitchen with centre island with breakfast eating bar, granite countertops and stainless steel appliances including gas stove. Dining area with built in cabinet and desk and corner gas fi replace. Upstairs features large master bedroom with 5 piece ensuite with soaker tub and glass shower. 2 other good sized bedrooms and 4 piece bath. Second fl oor laundry room. Large landscaped backyard with double detached garage. Close to all amenities and minutes to downtown. MLS#C4012492

stunninG HoMe!

$669,000

cranstonLandmark Homes Solar Powered Willowdale. 80% to 90% more energy effi cient than an average new Alberta home. This home generates enough energy to meet the homes annual electricity needs. It loses less heat with triple pane windows. It has better indoor air quality, the heat recovery ventilator reduces allergens while saving energy by transferring heat from outgoing air to fresh incoming air. This home also uses less water. Water consumption is lowered with Kohler low fl ow faucets and shower heads and high effi ciency toilets. This 2 storey has 4 bedrooms, 3 baths and bonus room. Bright and open plan. Beautiful kitchen with centre island open to eating area and great room with gas fi replace. Spacious bonus room. Large master bedroom with 4pc ensuite and walk in closet. 2 other good sized bedrooms and 4pc bath. Second fl r laundry room. 2yr builders warranty and 10yr New Home Warranty. Close to all amenities and easy access. Great family home! MLS#C4003117

soLar Powered LandMark HoMe!

$629,900

HuntinGton HiLLsExtensively updated bungalow with oversized double detached garage in showhome condition. 3 bedrooms and 3 baths.Large living and dining room with hardwood fl oors. Updated oak kitchen with centre island, newer appliances and newer fl ooring. Large master bedroom with 2pc ensuite and huge walk in Large deck and south backyard. Developed basement with large family room, bedroom/den with walk in closet and 3pc bath. All windows have been replaced. Professionally landscaped yard. Oversized double detached garage with separate panel and working area. RV parking and huge 10x10 shed. Quiet location. Easy access to Deerfoot, amenities, transportation and schools. Excellent family home. Exceptional value! MLS#C4011296

DISCOVER THE ADVANTAGE


So, you have decided this is the year to move. The real estate market is fantastic right now for both sellers and buyers. Perhaps you have hired a professional stager to give you suggestions on what to do to

prepare for what is, quite possibly, the largest transaction you’ll ever make. They have assisted you in editing down your possessions, placed furniture and artwork in the appropriate places, and told you to clean, clean, clean.

Each room must be clearly defined. I have seen properties where the dining room was set up as a home gym, and many houses with an empty living room because the homeowners never got around to buying furniture. Every room should be presented for its purpose. This means that a dining room should be staged as a dining room!

Speaking of empty rooms, it’s important to put furniture in a vacant property, as it gives perspective to the space and makes it more welcoming. A vacant property can feel cold and unfriendly, and is difficult to photograph and show at its full potential.

B Y L AU R A L E

Get photo ready

A vacant property can feel cold and unfriendly, and is difficult to photograph and show at its full potential

aroundthehouse

The photos that you post of your home online are your first chance to make a great impression. So be critical of your home.

Stand in each corner of the room and view it with a critical eye. Shoes, handbags and backpacks should be put away to quell questions of storage. The same applies in the kitchen – dishes, knife block set, the container filled with spatulas and wooden spoons, and small appliances should be stored out of sight.

Are you ready for the camera? Make sure all the lights and lamps are turned on, and all doors – front, closet and pantry – are closed. When you hold up the camera, make sure you are looking at the foreground. Is the back of the sofa what you are looking at on the bottom of the picture? You know the black box there is the sofa but are the buyers going to get that? A great rule of thumb is to stand in the every corner of the room and take the photo.

I recommend standing in each corner of the room and look with a very critical eye. Shoes, handbags and backpacks need to be stored so there is no question of having enough storage.

Volume15 Issue06 | HomeGuide • 27

So, you have decided this is the year to move. The real estate market is fantastic right now for both sellers and buyers. Perhaps you have hired a professional stager to give you suggestions on what to do to

prepare for what is, quite possibly, the largest transaction you’ll ever make. They have assisted you in editing down your possessions, placed furniture and artwork in the appropriate places, and told you to clean, clean, clean.

Each room must be clearly defined. I have seen properties where the dining room was set up as a home gym, and many houses with an empty living room because the homeowners never got around to buying furniture. Every room should be presented for its purpose. This means that a dining room should be staged as a dining room!

Speaking of empty rooms, it’s important to put furniture in a vacant property, as it gives perspective to the space and makes it more welcoming. A vacant property can feel cold and unfriendly, and is difficult to photograph and show at its full potential.

B Y L AU R A L E

Get photo ready

A vacant property can feel cold and unfriendly, and is difficult to photograph and show at its full potential

aroundthehouse

The photos that you post of your home online are your first chance to make a great impression. So be critical of your home.

Stand in each corner of the room and view it with a critical eye. Shoes, handbags and backpacks should be put away to quell questions of storage. The same applies in the kitchen – dishes, knife block set, the container filled with spatulas and wooden spoons, and small appliances should be stored out of sight.

Are you ready for the camera? Make sure all the lights and lamps are turned on, and all doors – front, closet and pantry – are closed. When you hold up the camera, make sure you are looking at the foreground. Is the back of the sofa what you are looking at on the bottom of the picture? You know the black box there is the sofa but are the buyers going to get that? A great rule of thumb is to stand in the every corner of the room and take the photo.

I recommend standing in each corner of the room and look with a very critical eye. Shoes, handbags and backpacks need to be stored so there is no question of having enough storage.


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

Remember to focus on the architectural features of the space. Get a picture of the entire fireplace or built-in bookcase, not just the top or the bottom. Also try to take photos of the transition between the rooms. This allows potential buyers to see the “flow” of one room to the next.

Personally, I do not like photographs taken with the wide-angle lens, as they always distort the space and make it look much larger. I have seen photos of a vacant condo that was 500 sq. ft., but the wide angle photograph made the space look like it was 3,000.

A wide-angle lens also distorts the furniture in the room, so from one angle it looks like a sofa is in front of the fireplace but it is actually a chair. Two photos taken of the same room but from different angles can be completely different, making the furniture virtually unrecognizable and very confusing.

Take lots of photographs at different times of the day to see which ones have the best lighting. If taking photographs is completely outside of your comfort zone, consider hiring a professional photographer because the photos of your property online are extremely important. The photographs must entice the buyer to visit your property instead of a comparable property in your neighbourhood.

A great rule of thumb is to stand in the every corner of the room and take the photo


DEERFOOT TR

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

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

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

[email protected]

all subject to change, lender qualifications will apply

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

PRO LINK MORTGAGE Five Year Fixed Rate

2.64%My experience and service will work for you.

Low lending rates changing Canadians’mortgage habits

Canadians have been sitting in an ultra-low mortgage interest rate environment for years. Just when we thought rates couldn’t go any lower, they did, as the

Bank of Canada dropped its key lending rate to 0.75 per cent in January, and the big banks followed suit. At the BoC’s latest rate announcement on May 27, that rate stayed put.

Twenty years ago, the lending rate for a five-year, fixed-rate mortgage was 10.75 per cent. Back in 1981, it was 20.25 per cent! (source: RateHub.ca) Today’s numbers in the two-per-cent range are hard to believe, and they’re changing how Canadians handle their debt load.

Canadians are doing everything they can to make the most of these low lending rates, according to the 2015 Mortgage Consumer Survey by conducted Canada Mortgage and Housing Corp. (CMHC).

SURVEY SAYS…According to CMHC, 60 per cent of mortgage renewers did so before their mortgage term expired, and 55 per cent of them did it to avoid a rise in rates in the future.

Furthermore, mortgage renewers reported taking action to pay off their mortgage sooner. Forty-nine per cent set their mortgage payment higher than the minimum required, while 32 per cent made either lump-sum payments, increased their regular payment, or both.

GOING BROKER:CMHC also investigated the share of mortgage consumers who used the services of a mortgage broker. The survey found that broker market share is on the rise, having increased from 32 per cent in 2012 to 42 per cent in 2015.

Almost twice as many homebuyers (both first-time and repeat) used a broker (49 per cent), versus existing homeowners who were refinancing their mortgage (24 per cent). LENDER LOYALTY:When it comes to loyalty, first-time homebuyers were flightier than their repeat-buyer counterparts. Renewers were more likely to stay with their current lender (86 per cent) whereas only 47 per cent of first-timers stuck with the financial institution they deal with regularly.

Interest rates were the main reason for consumers to jump ship to another lender, at 63 per cent.

B Y L Y D I A M C N U T T

Lydia McNutt is an award-winning writer and editor of New Home Guide. 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. Email [email protected],and follow her on Twitter @LydiasTweets

inthenews


TRANS CANADA HI

SARCEE TR

GLENMORE TR

SPRUCE MEADOWS TR

MACLEOD TR

MeadowlarkPark

Parkhill / Stanley Park

Roxboro

UpperScarboro West

End

ErltonMission

Kingsland

GarrisonGreen

Crestmont


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

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


makeyourmove

Prepare for the mass exodus

If you are planning to move at the end of June, you’re not alone! Traditionally, June 30 is the most popular day of the year for Canadians to move.

Why the mass exodus on this specific day? Weather tops the list of reasons, after the cold and snow of winter and before the summer heat kicks in. While no one can predict what Mother Nature will hand us on any given day, usually there is less chance of rain at the end of June as well.

Keep in mind that moving just before the long weekend in July means families have an extra day to begin unpacking and get settled before they have to go back to work. And by waiting until late June, parents avoid disrupting their kids’ school year.

Financially speaking, the end of June marks the mid-year renewal deadline for property taxes and rental leases, so for many people, the timing is optimal.

If June 30 is your moving day, here are some tips to make moving a less stressful and more pleasant experience:

›› YOU’VE BOOKED YOUR MOVER, RIGHT? If you haven’t, you may find that many companies are already fully booked for that day, but the earlier you start calling, the more chances you’ll find a reliable company to help.

›› CONSIDER USING A MOVER TO PACK YOU. Time is short, and movers have packing down to a science. Remember, it’s as important to us as it is to you to get your possessions to your new home safely and in pristine condition.

›› REFER TO A CHECKLIST. There’s lots to remember on leading up to, and on, this hectic day. Checklists are easily available online. You can find ours at twomenandatruck.ca/your-moving-checklist-plan-your-move.

›› PARE DOWN POSSESSIONS. There’s no use moving stuff that you will just throw out or give away later.

When you choose to move on June 30, a little advance planning can ease a lot of stress.

B Y C H U C K R E S N I C K

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

Mortgage SpecialiSt

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

email:[email protected]

PRO LINK MORTGAGE

TRANS CANADA HI

SARCEE TR

GLENMORE TR

SPRUCE MEADOWS TR

MACLEOD TR

MeadowlarkPark

Parkhill / Stanley Park

Roxboro

UpperScarboro West

End

ErltonMission

Kingsland

GarrisonGreen

Crestmont


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

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

703-0455Certified Condominium Specialist3rd Generation Calgary Realtor

JAMES COTE

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

HOUSE OF REAL ESTATE

www.jamescote.com

ROYAL OAKIMMACULATE TOWNHOUSE!!

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

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

THE CANALS - AIRDRIE

FAMILY HOME & MORTGAGE HELPER

$575,000BEAUTIFUL FAMILY HOME AND MORTGAGE HELPER! This 4 bedroom + Den home has over 2800 sq.ft. of living space and is located in the sought after neighborhood of the Canals. Features of this home include: Large Living Room with corner fireplace - a formal Dining Room - open concept stairs to Upper Level - finished

room in basement that could be used as an office - 2 hot water tanks - RV Parking Pad next to garage. The stunning Kitchen comes with granite countertops, stainless steel appliances, eating bar and a corner pantry. The large Master Bedroom is bright with lots of windows and comes with a walk-in closet and a 5 piece ensuite with his & her sinks, separate shower and a jaccuzi soaker tub. The detached Triple Garage has a legal 1 Bedroom “mother-in-law” suite above it. The legal suite is currently occupied and tenants would prefer to stay. Current rent is $950 per month and includes water. Help your mortgage with built-in tenants! Come have a look at this beautiful home today!

SILVERADOCORNER LOT! GREAT VIEWS!

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

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


makeyourmove

Prepare for the mass exodus

If you are planning to move at the end of June, you’re not alone! Traditionally, June 30 is the most popular day of the year for Canadians to move.

Why the mass exodus on this specific day? Weather tops the list of reasons, after the cold and snow of winter and before the summer heat kicks in. While no one can predict what Mother Nature will hand us on any given day, usually there is less chance of rain at the end of June as well.

Keep in mind that moving just before the long weekend in July means families have an extra day to begin unpacking and get settled before they have to go back to work. And by waiting until late June, parents avoid disrupting their kids’ school year.

Financially speaking, the end of June marks the mid-year renewal deadline for property taxes and rental leases, so for many people, the timing is optimal.

If June 30 is your moving day, here are some tips to make moving a less stressful and more pleasant experience:

›› YOU’VE BOOKED YOUR MOVER, RIGHT? If you haven’t, you may find that many companies are already fully booked for that day, but the earlier you start calling, the more chances you’ll find a reliable company to help.

›› CONSIDER USING A MOVER TO PACK YOU. Time is short, and movers have packing down to a science. Remember, it’s as important to us as it is to you to get your possessions to your new home safely and in pristine condition.

›› REFER TO A CHECKLIST. There’s lots to remember on leading up to, and on, this hectic day. Checklists are easily available online. You can find ours at twomenandatruck.ca/your-moving-checklist-plan-your-move.

›› PARE DOWN POSSESSIONS. There’s no use moving stuff that you will just throw out or give away later.

When you choose to move on June 30, a little advance planning can ease a lot of stress.

B Y C H U C K R E S N I C K

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

neighbourhoodprofile

Welcome to Marda Loop

Located in the south-west quadrant of Calgary, Marda Loop is a vibrant and bustling part of the city. With a thriving restaurant and retail scene, there are some

serious foodies and shoppers that frequent the area. You can live in the picket and hardly ever leave, thanks to all of the amenities nearby such as the South Calgary Community Association. This neighbourhood is beautiful with local parks, gardens, and residents who really take care of their properties. There are plenty of mainstays that have long been in the area, truly making Marda Loop a one-of-a-kind community.

LIFESTYLEMarda Loop is definitely a great place for anyone looking for a community that offers the finer things in life. With lots of great spots to eat and watering holes a-plenty, foodies flock to this great neighbourhood. The South Calgary Community Association is flowing with fun activities for all, including an outdoor pool, beach volleyball courts and a community garden.

B Y K A I T K U C Y

THE VIBEMarda Loop is a young and trendy neighbourhood with a big foodie trend serviced by incredible restaurants that always bring out a big following. Despite it being a bustling neighbourhood, Marda Loop settles down in the evenings into a calm and quiet area. If you love a party atmosphere, just wait for Marda Gras in the summer, when the neighbourhood is transformed into a giant street festival party.

MEET THE NEIGHBOURSMarda Loop is a community of young families, established homeowners and students of Mount Royal University. Residents love to spend time outdoors, or visiting local shops and businesses. While the South Calgary Community Association definitely has some incredible amenities for the winter, residents take a particular liking to it during the summer thanks to the outdoor pool and beach volleyball courts.

IN THE AREAThe Marda Loop area is definitely above average regarding real estate prices. Despite it boasting high-end restaurants, there are still affordable options for residents to dine out and enjoy entertainment. Since this is an area in transition, the financial picture is also going through a big transition as well. PLANES, TRAINS & AUTOMOBILESMarda Loop is primarily a drivable area due to it being a bit out of the city core. While there are reliable city buses frequenting the neighbourhood, the easiest way to get around is by car. Marda Loop is located near to Crowchild Trail as well as 14th Street SW, making access to the rest of the city easy. This is also a very walkable neighbourhood, with residents sharing the streets and parks.

THE GOOD, THE BAD & THE RESTOne of the best things about Marda Loop is its close access to the rest of Calgary. It is only minutes away from 17th Avenue SW and borders on Crowchild Trail, which will take residents closer into the core or into SW Calgary. This area’s closest hospital is Rockyview General Hospital, only an eight-minute drive away.

NEIGHBOURHOOD HOTSPOTSPlaces you’ll want to check outWelcome to Marda Loop


MEET THE NEIGHBOURSMarda Loop is a community of young families, established homeowners and students of Mount Royal University. Residents love to spend time outdoors, or visiting local shops and businesses. While the South Calgary Community Association defi nitely has some incredible amenities for the winter, residents take a particular liking to it during the summer thanks to the outdoor pool and beach volleyball courts.

IN THE AREATh e Marda Loop area is defi nitely above average regarding real estate prices. Despite it boasting high-end restaurants, there are still aff ordable options for residents to dine out and enjoy entertainment. Since this is an area in transition, the fi nancial picture is also going through a big transitionas well.

PLANES, TRAINS & AUTOMOBILESMarda Loop is primarily a drivable area due to it being a bit out of the city core. While there are reliable city buses frequenting the neighbourhood, the easiest way to get around is by car. Marda Loop is located near to Crowchild Trail as well as 14th Street SW, making access to the rest of the city easy. Th is is also a very walkable neighbourhood, with residents sharing the streets and parks.

THE GOOD, THE BAD & THE RESTOne of the best things about Marda Loop is its close access to the rest of Calgary. It is only minutes away from 17th Avenue SW and borders on Crowchild Trail, which will take residents closer into the core or into SW Calgary. Th is area’s closest hospital is Rockyview General Hospital, only an eight-minute drive away.

DOLLARS & SENSEMarda Loop is a beautiful, mature neighbourhood of heritage homes and new infi lls, which are becoming increasingly expensive, and landing out of reach of young homebuyers.

Tour more neighbourhoods at YPNextHome.ca

NEIGHBOURHOOD HOTSPOTSPlaces you’ll want to check out

Aqua Sports Scuba Centre

The Inner Sleeve

Red Tree Catering


neighbourhoodprofile

Welcome to Marda Loop

Located in the south-west quadrant of Calgary, Marda Loop is a vibrant and bustling part of the city. With a thriving restaurant and retail scene, there are some

serious foodies and shoppers that frequent the area. You can live in the picket and hardly ever leave, thanks to all of the amenities nearby such as the South Calgary Community Association. This neighbourhood is beautiful with local parks, gardens, and residents who really take care of their properties. There are plenty of mainstays that have long been in the area, truly making Marda Loop a one-of-a-kind community.

LIFESTYLEMarda Loop is definitely a great place for anyone looking for a community that offers the finer things in life. With lots of great spots to eat and watering holes a-plenty, foodies flock to this great neighbourhood. The South Calgary Community Association is flowing with fun activities for all, including an outdoor pool, beach volleyball courts and a community garden.

B Y K A I T K U C Y


MEET THE NEIGHBOURSMarda Loop is a community of young families, established homeowners and students of Mount Royal University. Residents love to spend time outdoors, or visiting local shops and businesses. While the South Calgary Community Association definitely has some incredible amenities for the winter, residents take a particular liking to it during the summer thanks to the outdoor pool and beach volleyball courts.

IN THE AREAThe Marda Loop area is definitely above average regarding real estate prices. Despite it boasting high-end restaurants, there are still affordable options for residents to dine out and enjoy entertainment. Since this is an area in transition, the financial picture is also going through a big transition as well. PLANES, TRAINS & AUTOMOBILESMarda Loop is primarily a drivable area due to it being a bit out of the city core. While there are reliable city buses frequenting the neighbourhood, the easiest way to get around is by car. Marda Loop is located near to Crowchild Trail as well as 14th Street SW, making access to the rest of the city easy. This is also a very walkable neighbourhood, with residents sharing the streets and parks.

THE GOOD, THE BAD & THE RESTOne of the best things about Marda Loop is its close access to the rest of Calgary. It is only minutes away from 17th Avenue SW and borders on Crowchild Trail, which will take residents closer into the core or into SW Calgary. This area’s closest hospital is Rockyview General Hospital, only an eight-minute drive away.

NEIGHBOURHOOD HOTSPOTSPlaces you’ll want to check outWelcome to Marda Loop


MEET THE NEIGHBOURSMarda Loop is a community of young families, established homeowners and students of Mount Royal University. Residents love to spend time outdoors, or visiting local shops and businesses. While the South Calgary Community Association defi nitely has some incredible amenities for the winter, residents take a particular liking to it during the summer thanks to the outdoor pool and beach volleyball courts.

IN THE AREATh e Marda Loop area is defi nitely above average regarding real estate prices. Despite it boasting high-end restaurants, there are still aff ordable options for residents to dine out and enjoy entertainment. Since this is an area in transition, the fi nancial picture is also going through a big transitionas well.

PLANES, TRAINS & AUTOMOBILESMarda Loop is primarily a drivable area due to it being a bit out of the city core. While there are reliable city buses frequenting the neighbourhood, the easiest way to get around is by car. Marda Loop is located near to Crowchild Trail as well as 14th Street SW, making access to the rest of the city easy. Th is is also a very walkable neighbourhood, with residents sharing the streets and parks.

THE GOOD, THE BAD & THE RESTOne of the best things about Marda Loop is its close access to the rest of Calgary. It is only minutes away from 17th Avenue SW and borders on Crowchild Trail, which will take residents closer into the core or into SW Calgary. Th is area’s closest hospital is Rockyview General Hospital, only an eight-minute drive away.

DOLLARS & SENSEMarda Loop is a beautiful, mature neighbourhood of heritage homes and new infi lls, which are becoming increasingly expensive, and landing out of reach of young homebuyers.

Tour more neighbourhoods at YPNextHome.ca

NEIGHBOURHOOD HOTSPOTSPlaces you’ll want to check out

Aqua Sports Scuba Centre

The Inner Sleeve

Red Tree Catering


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

BASED ON CALGARY MARKET SHARE

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

Beautifully Presented, upgraded, immaculate and fully developed home on large lot quietly located across from community park! Very efficient floor plan featuring a main floor den, spacious, inviting, sunny foyer, 3 spacious bedrooms up with amazing ensuite off master. Upgrades include gleaming hardwood, granite counters with sandstone edging, appliances, plumbing and lighting package. Superior lower development! Tremendous back yard, beautifully landscaped, with sunny sitting areas to choose from or shade if you want it. Direct access to miles of Fish Creek pathways just across the street. Lake Privileges!

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

$498,700 $588,888 $547,888

AMAZING HOME IN MOUNTAIN PARK MT DOUGLAS BEAUTYBeautifully Presented, upgraded, immaculate and fully developed home on large lot quietly located across from community park! Very efficient floor plan featuring a main floor den, spacious, inviting, sunny foyer, 3 spacious bedrooms up with amazing ensuite off master.

Gorgeous Home with lots of gleaming hardwood, granite counters, upgraded appliances. oversized garage with unique, round about drive. Beautiful bright bonus room. Developed down including

SOLDAMAZING HOME IN MOUNTAIN PARK

SOLDSOLDIN ONE DAY!

[email protected]

102, 279 Midpark Way SECalgary AB, T2X 1M2

Don Lothian LANDAN REAL ESTATE

102, 279 Midpark Way SECalgary AB, T2X 1M2

LANDAN REAL ESTATE

Need more great listings to SELL!


DEERFOOT TR

MACLEOD TR

MARQUIS OF LORNE TR

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


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

JUNE - JULY 2015

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

REAL PROPERTIES

My experience and service will work for you.

Call (403) 863-1293 Today!

Need a mortgage?

PRO LINK MORTGAGE

Five Year Fixed Rate

2.64%email: [email protected]


DEERFOOT TR

MACLEOD TR

MARQUIS OF LORNE TR

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

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

JUNE - JULY 2015

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

REAL PROPERTIES

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

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

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

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

Call Nancy Direct (250)514-4750

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

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

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

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

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

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

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

PRIVACY $599,900 - 681 Seedtree, Sooke

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

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

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

Open Saturday and Sunday 12 pm to 4 pm

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

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

11 Acres

SOOK

E

$1,600,000 11 bed 9 bath, custom build with great attention to detail

utilizing materials from actual property.

COBB

LE H

ILL

$380,000, Two Cottages and RV on Site with hydro, well water. Oceanview with Mountain Views.

PORT

REN

FREW

$849,900, Custom Executive home with gourmet kitchen on acre with

full fi nished basement.SO

OKE

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

FREN

CH B

EACH

$274,900 3 bed 2 bath plus shop, sunroom out front, fully fenced,

short stroll to beach.

PORT

REN

FREW

$449,900 3 bed 2 bath. Stunning valley and mountain views on corner lot backing onto greenbelt; extensive walking trails and distinctive architecture

SOOK

E

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

PORT

REN

FREW

$524,900. West coast home 5 beds 3 baths. Private 1 acre backing

onto french beach park!

FREN

CH B

EACH

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

SOOK

E

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

privacy on West Coast Road

FREN

CH B

EACH

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

PORT

REN

FREW

$265,000. Fully furnished ocean view cottage with cedar bunk

house. Rent nightly.

PORT

REN

FREW

$219,900 2 bed 2 baths. Private view deck to enjoy the sunshine. Underground heated parking,

Elevator, storage, 1,496 Sq.Ft of living space!

DUNC

AN

$549,900 Waterfalls and Pools on 5.96 Riverfront Acres. Home plus

Cottage and studio.

SOOK

E

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

home with updates. Sunny fenced yard.

MET

CHOS

IN

$449,900. Turn of the Century Carraige House with all the old time charm. Hot House and amazing fenced gardens.

VICT

ORIA

$499,900. 3 bed, 1/2 acre Sun-river, private lot, endless storage

and space inside and out.

SOOK

E

1.5 ACRE

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

Short walk to beach.

PORT

REN

FREW

SOLD

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

on patio facing ocean

UCLU

ELET

$349,900 5 beds 4 bath, open concept living on several levels, large half

strata duplex, over 2700 sqft of space.

SOOK

E

SOLD

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

out basement on huge corner lot.

DUNC

AN

$314,000 Fully Fenced 1 acre with home and double garage with separate studio! Walk to French Beach ! Great

for families; school bus area. French Beach!

FREN

CH B

EACH

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

SOOK

E

NO FEES 10 ACRE

5 ACRE

[email protected] ies.ca

250.503.8332

Remax VernonCarol Shalovelo

Serving locally and marketing globally

RE/MAXVERNON

Okanaganin the OkanaganOkanaganin thelifestyles250.503.8332View all these properties and more [email protected] or call

OkanaganOkanaganWaterfront • Ski Hill • Golf Course Properties

#10, 7769 Okanagan Landing RoadWonderful lifestyle living on Okanagan Lake, open fl oor concept,

maple cabinets, granite, private beach, your own boat slip, private fenced back yard

MLS 10095858 - $899,000

#14, 83 Peregrine WayIncredible view from this 3 bdrm 2176 Sq Ft town home,

extensive updates, covered decks, private community beach and dock, boat launch, mint condition

MLS 10100537 - $509,000

7985/ 7987 Wilson Jackson RoadCountry Luxury, custom built side x side duplex on 6.89 acres, perfect for the extended family or B & B over 2800 sq. ft.each side,

great valley view off covered decks, shop/machine shed, creek runs thru the property

$939,000

11410 Coldstream Creek Road6 Bdrm family home in Coldstream, extensive updates, walk to

elementary and high school, valley & mountain views, easy care yard, fenced, RV Parking

MLS 10082308 - $515,000

28 Kestrel Place Lot 3.29 acre lot in beautiful Canadian Lakeview Estates, established neighborhood, quiet, peaceful country living, yet minutes to city

centre, ideal for walkout rancher

MLS 1010069 - $153,000

858 Mt Grady PlaceSpectacular Kal lake view from the 4 Bdrm 3 bath home, open fl oor plan, entertaining kitchen and dining, hardwood, gas, F/P,

easy care yard, great neighborhood

$579,000

2938 Idler Road on Arrow Lake, Nakusp, BC

Wonderful family retreat, 2.69 acres with 370 ft of Lakeshore, The lovely panabode has 4 bdrms , 2 baths, 700 sq ft. on main with a

full suite in the basement. Private rural setting on this pristine lake.

MLS 10092984 - $468,000

5820 Bartlett RoadWell cared for home on .61 acre lot, over 2300 sq. ft., 2 bdrms up, down, 2 full baths, lots of updates, parklike yard, swimming pool, 27

x 21 shop, double garage, loads of parking, gorgeous city view.

MLS 10101175 - $489,000

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

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

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

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

Call Nancy Direct (250)514-4750

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

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

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

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

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

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

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

PRIVACY $599,900 - 681 Seedtree, Sooke

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

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

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

Open Saturday and Sunday 12 pm to 4 pm

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

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

11 Acres

SOOK

E

$1,600,000 11 bed 9 bath, custom build with great attention to detail

utilizing materials from actual property.

COBB

LE H

ILL

$380,000, Two Cottages and RV on Site with hydro, well water. Oceanview with Mountain Views.

PORT

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$849,900, Custom Executive home with gourmet kitchen on acre with

full fi nished basement.

SOOK

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

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$274,900 3 bed 2 bath plus shop, sunroom out front, fully fenced,

short stroll to beach.

PORT

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$449,900 3 bed 2 bath. Stunning valley and mountain views on corner lot backing onto greenbelt; extensive walking trails and distinctive architecture

SOOK

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

PORT

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$524,900. West coast home 5 beds 3 baths. Private 1 acre backing

onto french beach park!

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

SOOK

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

privacy on West Coast Road

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

PORT

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$265,000. Fully furnished ocean view cottage with cedar bunk

house. Rent nightly.

PORT

REN

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$219,900 2 bed 2 baths. Private view deck to enjoy the sunshine. Underground heated parking,

Elevator, storage, 1,496 Sq.Ft of living space!

DUNC

AN

$549,900 Waterfalls and Pools on 5.96 Riverfront Acres. Home plus

Cottage and studio.

SOOK

E

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

home with updates. Sunny fenced yard.

MET

CHOS

IN

$449,900. Turn of the Century Carraige House with all the old time charm. Hot House and amazing fenced gardens.

VICT

ORIA

$499,900. 3 bed, 1/2 acre Sun-river, private lot, endless storage

and space inside and out.

SOOK

E

1.5 ACRE

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

Short walk to beach.

PORT

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SOLD

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

on patio facing ocean

UCLU

ELET

$349,900 5 beds 4 bath, open concept living on several levels, large half

strata duplex, over 2700 sqft of space.SO

OKE

SOLD

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

out basement on huge corner lot.

DUNC

AN

$314,000 Fully Fenced 1 acre with home and double garage with separate studio! Walk to French Beach ! Great

for families; school bus area. French Beach!

FREN

CH B

EACH

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

SOOK

E

NO FEES 10 ACRE

5 ACRE

[email protected] ies.ca

250.503.8332

Remax VernonCarol Shalovelo

Serving locally and marketing globally

RE/MAXVERNON

Okanaganin the OkanaganOkanaganin thelifestyles250.503.8332View all these properties and more [email protected] or call

OkanaganOkanaganWaterfront • Ski Hill • Golf Course Properties

#10, 7769 Okanagan Landing RoadWonderful lifestyle living on Okanagan Lake, open fl oor concept,

maple cabinets, granite, private beach, your own boat slip, private fenced back yard

MLS 10095858 - $899,000

#14, 83 Peregrine WayIncredible view from this 3 bdrm 2176 Sq Ft town home,

extensive updates, covered decks, private community beach and dock, boat launch, mint condition

MLS 10100537 - $509,000

7985/ 7987 Wilson Jackson RoadCountry Luxury, custom built side x side duplex on 6.89 acres, perfect for the extended family or B & B over 2800 sq. ft.each side,

great valley view off covered decks, shop/machine shed, creek runs thru the property

$939,000

11410 Coldstream Creek Road6 Bdrm family home in Coldstream, extensive updates, walk to

elementary and high school, valley & mountain views, easy care yard, fenced, RV Parking

MLS 10082308 - $515,000

28 Kestrel Place Lot 3.29 acre lot in beautiful Canadian Lakeview Estates, established neighborhood, quiet, peaceful country living, yet minutes to city

centre, ideal for walkout rancher

MLS 1010069 - $153,000

858 Mt Grady PlaceSpectacular Kal lake view from the 4 Bdrm 3 bath home, open fl oor plan, entertaining kitchen and dining, hardwood, gas, F/P,

easy care yard, great neighborhood

$579,000

2938 Idler Road on Arrow Lake, Nakusp, BC

Wonderful family retreat, 2.69 acres with 370 ft of Lakeshore, The lovely panabode has 4 bdrms , 2 baths, 700 sq ft. on main with a

full suite in the basement. Private rural setting on this pristine lake.

MLS 10092984 - $468,000

5820 Bartlett RoadWell cared for home on .61 acre lot, over 2300 sq. ft., 2 bdrms up, down, 2 full baths, lots of updates, parklike yard, swimming pool, 27

x 21 shop, double garage, loads of parking, gorgeous city view.

MLS 10101175 - $489,000

[email protected]

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

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inthenews

Recreational property market awakens in Canada, and

Alberta could be the place to look!

The slower pace of life in cottage country was echoed in Canada’s recreational property market

earlier this year, which took a while to wake from a long winter slumber. But with the arrival of spring and sun, recreational real estate – much like cottage country itself – is now buzzing with activity as buyers snap up properties and make up for lost time, according to the 2015 Royal LePage Recreational Property Report.

Unlike 2014, when the extended winter dampened total sales volumes, increased activity in mid to late spring 2015 show that buyers had merely delayed purchasing this year versus putting it off entirely. The exception to this is Alberta, some areas of eastern B.C. that cater to Albertans, and Newfoundland, where a depressed energy sector reduced buying activity and put downward pressure on prices.

But for those in the market for a great deal in an idyllic location, Alberta

could be the place to look. The drop in oil prices, market activity and real estate prices could make now a great time to dive into the market.

According to the report, “When the oil sector recovers, more people will once again be looking for recreational properties, which will drive up prices.”

Phil Soper, president and chief executive of Royal LePage, says the drop in oil prices has inadvertently supported Canada’s recreational property market overall. “Cheaper gasoline makes the prospect of a weekend commute to the lake a more affordable proposition. And cheap oil means a lower Canadian dollar, which has more people looking at Muskoka, Tremblant and the B.C. interior and fewer casting covetous glances at Florida and Arizona. We are even seeing money making its way north [from the U.S.], particularly in British Columbia, Alberta and Atlantic Canada, as the strong U.S. currency has increased American buying power.”

Nationally, low mortgage rates and flat prices boosted buying by those who put the brakes on their purchase last year. This increase in activity has absorbed much of the existing inventory, and brokers warn prices could rise to keep pace with demand.

“The dream of recreational property ownership is very much alive and well across the country,” says Soper. “Dominated primarily by buyers in their 40s and 50s with families, these are people who are seeking to re-create the idyllic weekends and summers of their youth. Looking ahead, many see their current weekend getaway as a future full-time residence, both as a base for ‘work from home’ arrangements as they become empty-nesters, and onward into retirement.”

Royal LePage reports strong sales across all recreational property types, with waterfront properties being the hottest commodity in terms of demand and price gains.


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

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regional map

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

www.allisonjames.com

SONIA MOLINA

[email protected]

WESTGATE $549.000

Beautiful bungalow • kept by original owner4+1 Bedrooms 2 full • bathroomsHardwood oak floors• Detached double • garageFinished basement• Huge backyard• MLS: C4006440•

SPRUCE CLIFF$849,900

Stunning 2,163 sq ft • penthouse condo10 ft ceilings, 2+1 BDR. • 2 Bath. Galore balconies with • views of Shaganappi Golf Course and downtownTwo titled parking stalls• In floor heating under • wood flooringEasy to show anytime•

3816 17 St SW$1,295,000

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

104 2420 34 AV SW, $255,000

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

JASON WILSON

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ROSE-MARIE LAFOND

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67 RIDGE VIEW PLACE COCHRANE$1,250,000

3200+ sqft above • gradetriple car heated • garage10 ft ceilings• upgraded DACOR • appliancessteam shower•

CONT’D

C4004422 cont’d• stunning mountain views • covered deck w/ • fireplace1300+ walk-out w/ • heated floorswet bar, wine room• gym and more!!!• MLS C400442•

www.century21bamber.ab.ca

ALLISON JAMES

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IMMACULATE, BRIGHT INNERCITY TOWNHOUSE!

Great downtown • views!Rare double • attached garage2 Bedrooms plus • den and 2 full bathrooms MLS#C3648326•

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Elbow Park

Award-winning builder crafts exquisite contemporary home in

Award-winning Empire Custom Homes has crafted this exquisite, contemporary home on an oversized lot in Elbow Park that is definitely a showpiece for any homeowner.

“Empire’s signature is quality and craftsmanship, and it’s clearly showcased in this elegantly conceived, uniquely contemporary-styled home,” says luxury home realtor Ray Riley of Royal LePage Foothills, who has gained a reputation for finding special properties like this immaculate two-storey. “They started out as Empire Kitchen & Bath, so it’s not surprising that the kitchen and bathrooms are stunning and the exclusive brands they supplied establish new benchmarks for luxury.

“This is a new, custom-built home that is beautifully crafted with lots of details and upgrades that show extremely well,” Riley says, noting it offers more than 4,500 sq. ft. of fully developed living space with five bedrooms and six bathrooms, making it ideal for an executive couple who loves to entertain, or a large or growing family. “It presents an open, modern plan that is luxurious and has huge windows throughout, so it’s very bright and inviting.”

Empire’s integrated design compositions distinguish this home from other custom dwellings, presenting clean lines with a stucco and brick exterior and an urban-chic interior with an elegant white and grey decor.

The chef ’s kitchen is absolutely incredible serving up high-end features and finishes including a huge flat-surface island as well as an equally massive peninsula with breakfast bar seating that provides great space for socializing and food prep,


featureproperty

a dazzling tile backsplash, quartz countertops, a wide array of custom cabinets, and drawers including beautiful lighted niche boxes for display and top-line appliances including built-in wall oven and microwave, gas cooktop below a fabulous hood, and Subzero fridge.

The living room is highlighted by a gorgeous wall-centred linear fireplace that is surrounded in tile and flanked by almost floor-to-ceiling windows, while the spacious dining area gives you ample room for hosting large dinner parties. The den is highlighted by a built-in cabinet that is flanked by windows and there is a large laundry room with loads of custom cabinets, counter space and a half-bath.

Upstairs, the master bedroom offers a fabulous private retreat with lots of windows, a niche for tucking furniture out of the way, a large walk-in closet with

“Empire’s signature is quality and craftsmanship, and it’s clearly showcased in this elegantly conceived, uniquely contemporary-styled home”





“The kitchen and bathrooms are stunning and the exclusive brands they supplied establish new benchmarks for luxury”

built-ins and a luxurious ensuite featuring a long vanity with dual sinks separated by an open shelf tower, soaker tub and glass walk-in shower.

There are three other generously sized bedrooms upstairs and flex space that can be used for a quiet sitting area.

The lower level is fully developed with a huge Great Room with wet bar, fifth bedroom and bathroom.

Outside, you can enjoy a landscaped, fenced yard with a patio and there is an oversized, heated double garage.

The home is ideally located on a quiet cul-de-sac in Elbow Park, which is one of Calgary’s most desired and established neighbourhoods. Elbow Park offers convenient access to downtown, 4th Street and 17th Avenue shopping districts, the Glencoe Club and the river pathway system. It’s also close to several schools and parks, making it an ideal location to raise a family.

For more information on this outstanding home, contact Ray Riley, Royal LePage Foothills, at 403.270.7601 or visit rayriley.com.


Elbow Park

Award-winning builder crafts exquisite contemporary home in

Award-winning Empire Custom Homes has crafted this exquisite, contemporary home on an oversized lot in Elbow Park that is definitely a showpiece for any homeowner.

“Empire’s signature is quality and craftsmanship, and it’s clearly showcased in this elegantly conceived, uniquely contemporary-styled home,” says luxury home realtor Ray Riley of Royal LePage Foothills, who has gained a reputation for finding special properties like this immaculate two-storey. “They started out as Empire Kitchen & Bath, so it’s not surprising that the kitchen and bathrooms are stunning and the exclusive brands they supplied establish new benchmarks for luxury.

“This is a new, custom-built home that is beautifully crafted with lots of details and upgrades that show extremely well,” Riley says, noting it offers more than 4,500 sq. ft. of fully developed living space with five bedrooms and six bathrooms, making it ideal for an executive couple who loves to entertain, or a large or growing family. “It presents an open, modern plan that is luxurious and has huge windows throughout, so it’s very bright and inviting.”

Empire’s integrated design compositions distinguish this home from other custom dwellings, presenting clean lines with a stucco and brick exterior and an urban-chic interior with an elegant white and grey decor.

The chef ’s kitchen is absolutely incredible serving up high-end features and finishes including a huge flat-surface island as well as an equally massive peninsula with breakfast bar seating that provides great space for socializing and food prep,


featureproperty









“The kitchen and bathrooms are stunning and the exclusive brands they supplied establish new benchmarks for luxury”

built-ins and a luxurious ensuite featuring a long vanity with dual sinks separated by an open shelf tower, soaker tub and glass walk-in shower.

There are three other generously sized bedrooms upstairs and flex space that can be used for a quiet sitting area.

The lower level is fully developed with a huge Great Room with wet bar, fifth bedroom and bathroom.

Outside, you can enjoy a landscaped, fenced yard with a patio and there is an oversized, heated double garage.

The home is ideally located on a quiet cul-de-sac in Elbow Park, which is one of Calgary’s most desired and established neighbourhoods. Elbow Park offers convenient access to downtown, 4th Street and 17th Avenue shopping districts, the Glencoe Club and the river pathway system. It’s also close to several schools and parks, making it an ideal location to raise a family.

For more information on this outstanding home, contact Ray Riley, Royal LePage Foothills, at 403.270.7601 or visit rayriley.com.


01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

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

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

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

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

05Multiply this figure by theamount you need to borrow.

Divide by 1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

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

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

homebuyers’help

3.00 17.96 9.65 6.91 5.54 4.73

3.25 18.07 9.76 7.02 5.66 4.86

3.50 18.18 9.88 7.14 5.79 4.99

3.75 18.29 9.99 7.26 5.91 5.13

4.00 18.40 10.41 7.38 6.04 5.26

4.25 18.51 10.23 7.50 6.17 5.40

4.50 18.62 10.34 7.63 6.30 5.53

4.75 18.72 10.46 7.75 6.44 5.67

5.00 18.85 10.59 7.89 6.58 5.82

5.25 18.97 10.71 8.01 6.71 5.96

5.50 19.08 10.83 8.14 6.85 6.11

5.75 19.19 10.95 8.27 6.99 6.26

6.00 19.30 11.07 8.40 7.13 6.40

6.25 19.42 11.19 8.54 7.27 6.55

6.50 19.53 11.32 8.67 7.41 6.70

6.75 19.64 11.44 8.80 7.55 6.86

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

MORTGAGE AMOUNT(PRICE – DOWN

PAYMENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

DIVIDED BY 12

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT

homebuyers’help

MORTGAGE INTEREST RATES

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

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

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

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

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

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

ATB Financial 2.350 4.000 2.940 2.640 2.540 2.690 2.740

Bank of Montreal - BMO 2.850 4.000 2.890 2.840 3.390 3.890 4.740

Bank of Nova Scotia 2.850 4.550 3.290 3.090 3.390 3.890 4.490

CIBC Mortgages 2.850 4.450 2.890 2.840 3.550 4.140 4.790

Caisses Desjardins 2.850 4.400 2.890 2.990 3.390 3.890 4.740

Canadian Western Bank 3.050 4.000 3.140 3.040 3.650 4.200 4.740

Canadian Western Trust 3.050 4.000 3.140 3.040 3.650 4.200 4.740

Comtech Credit Union - 6.200 2.890 2.890 2.950 2.990 2.690

DUCA Financial Services 2.650 - 3.090 3.000 2.990 3.090 2.690

Effort Trust - 4.450 3.350 3.500 3.700 4.300 4.350

Equitable Bank - - 3.140 3.040 3.650 4.390 4.640

First Calgary Financial - 4.000 2.890 2.890 2.490 3.090 2.650

First National Financial 2.200 3.100 2.290 2.190 2.340 2.540 2.690

FirstOntario Credit Un. 2.850 4.240 2.890 2.590 2.690 2.840 2.690

HSBC Bank Canada 2.850 4.450 3.140 3.140 3.540 4.240 4.740

Home Trust Company 2.500 3.950 2.690 2.350 2.390 2.590 2.590

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.690

Investors Group Trust 2.850 4.200 3.140 3.090 3.390 3.890 4.740

Laurentian Bank Canada 2.850 4.400 2.890 2.840 3.390 3.890 4.740

League Svgs & Mortgage - 4.000 2.990 2.250 2.990 2.990 2.790

Libro Credit Union - 3.750 2.850 2.850 2.890 2.890 2.890

London Life 2.850 4.200 3.140 3.090 3.390 3.890 4.740

Manulife Bank 2.550 4.450 3.000 2.940 2.840 2.790 2.790

Manulife Trust - 4.450 3.000 2.940 2.840 2.790 2.790

Meridian Credit Union 2.650 4.000 3.090 3.090 3.550 3.290 2.690

National Bank 2.850 4.400 2.890 2.840 3.390 3.890 4.740

PACE Savings & Credit Un - 5.000 2.890 2.590 3.390 3.890 4.640

Parama Credit Union 2.650 - 2.800 2.850 2.950 3.050 3.150

Peace Hills Trust - 4.500 3.150 3.500 3.750 3.850 3.950

President’s Choice Fin’l 2.850 6.190 3.190 2.840 3.490 4.040 4.440

Royal Bank of Canada 2.850 3.140 3.140 3.040 3.650 4.390 4.640

Servus Credit Union - 4.000 2.890 2.840 3.390 3.890 4.640

Steinbach Credit Union - - 2.450 2.550 2.550 2.650 2.650

T-D Mortgage 2.850 3.140 2.890 2.840 3.390 3.890 4.640

Tangerine 2.850 - 3.190 3.240 3.490 3.690 3.790

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

PREPARED BY CANNEX ON MAY 27, 2015. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2015 CANNEX Financial Exchanges Limited. All rights reserved.


B Y WAY N E K A R L

fundamentallyspeaking

Housing valuations:who and what to believe

“Canada represents one of the single largest countries in the world and going from coast to coast, Canada is home to a very diverse group of people with local economics that are vastly different”

For homeowners, when someone says your home is drastically overvalued, naturally, you worry. If you’re a prospective homebuyer, such news might cause you to delay your purchase. � at’s the power of

housing valuations.� e problem is, who and what to believe?

Here are some recent examples of Canada’s housing valuations, from a variety of sources:DEUTSCHE BANK: overvalued by 60 per centBANK OF CANADA: overvalued by 30 per centINTERNATIONAL MONETARY FUND: overvalued by 11 per centTD BANK: overvalued by 11 per centCANADIAN HOUSING ECONOMIST WILL DUNNING:

undervalued by nine per cent

With such a wide variance in valuations, and using di� ering measures, who to believe, indeed?

“Far too many foreign economists try to make overly simpli� ed statements about foreign housing markets they don’t understand enough about,” Calum Ross, mortgage broker and real estate investor.

“Above and beyond the traditional measures, there are a number of less tangible measures, such as the stability of social, political and economic systems at the federal, provincial and municipal level.

“Canada represents one of the single largest countries in the world and going from coast to coast, Canada is home to a very diverse group of people with local economics that are vastly di� erent,” Ross says. “Saying there is a Canadian housing market is no less ridiculous than saying there is a ‘Canadian temperature’.”

� ankfully, Canada Mortgage and Housing Corp. (CMHC) added some context recently in its House Price Analysis and Assessment, which provided a market-by-market snapshot by Canada’s larger centres. � e report attached a risk level – low, moderate or high – for the major cities, using risk factors of overheating, acceleration in house prices, overvaluation and overbuilding.

With Regina and Winnipeg, of all places, being the only major centres earning “high risk” assessments, CMHC’s report reminds everyone that housing markets must be assessed on a micro level, not wide-swathing national viewpoints.

“From a pure economic theory standpoint, when interest rates are low, then real asset prices will go up,” says Ross. “Real estate is one of the most interest-rate-sensitive sectors of the global economy. When it comes to mortgages, what we know is that people have a tendency to buy payments and be less concerned with total debt. � e lower interest rates and longer amortizations allow for lower payment and as long as payments stay a� ordable, many people won’t get caught up with the sticker shock of more expensive real estate prices.”

So, who to believe, next time you see a report on Canada’s housing valuations? Well, a Canadian source such as CMHC is a good start. Otherwise, as experts stress, remember to look at your individual market for a clearer indication, not the national assessment.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics of buying property. Email [email protected] or follow him on Twitter at Twitter.com/WayneKarl

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B Y WAY N E K A R L

fundamentallyspeaking

Housing valuations:who and what to believe

“Canada represents one of the single largest countries in the world and going from coast to coast, Canada is home to a very diverse group of people with local economics that are vastly different”

For homeowners, when someone says your home is drastically overvalued, naturally, you worry. If you’re a prospective homebuyer, such news might cause you to delay your purchase. � at’s the power of

housing valuations.� e problem is, who and what to believe?

Here are some recent examples of Canada’s housing valuations, from a variety of sources:DEUTSCHE BANK: overvalued by 60 per centBANK OF CANADA: overvalued by 30 per centINTERNATIONAL MONETARY FUND: overvalued by 11 per centTD BANK: overvalued by 11 per centCANADIAN HOUSING ECONOMIST WILL DUNNING:

undervalued by nine per cent

With such a wide variance in valuations, and using di� ering measures, who to believe, indeed?

“Far too many foreign economists try to make overly simpli� ed statements about foreign housing markets they don’t understand enough about,” Calum Ross, mortgage broker and real estate investor.

“Above and beyond the traditional measures, there are a number of less tangible measures, such as the stability of social, political and economic systems at the federal, provincial and municipal level.

“Canada represents one of the single largest countries in the world and going from coast to coast, Canada is home to a very diverse group of people with local economics that are vastly di� erent,” Ross says. “Saying there is a Canadian housing market is no less ridiculous than saying there is a ‘Canadian temperature’.”

� ankfully, Canada Mortgage and Housing Corp. (CMHC) added some context recently in its House Price Analysis and Assessment, which provided a market-by-market snapshot by Canada’s larger centres. � e report attached a risk level – low, moderate or high – for the major cities, using risk factors of overheating, acceleration in house prices, overvaluation and overbuilding.

With Regina and Winnipeg, of all places, being the only major centres earning “high risk” assessments, CMHC’s report reminds everyone that housing markets must be assessed on a micro level, not wide-swathing national viewpoints.

“From a pure economic theory standpoint, when interest rates are low, then real asset prices will go up,” says Ross. “Real estate is one of the most interest-rate-sensitive sectors of the global economy. When it comes to mortgages, what we know is that people have a tendency to buy payments and be less concerned with total debt. � e lower interest rates and longer amortizations allow for lower payment and as long as payments stay a� ordable, many people won’t get caught up with the sticker shock of more expensive real estate prices.”

So, who to believe, next time you see a report on Canada’s housing valuations? Well, a Canadian source such as CMHC is a good start. Otherwise, as experts stress, remember to look at your individual market for a clearer indication, not the national assessment.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics of buying property. Email [email protected] or follow him on Twitter at Twitter.com/WayneKarl

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Calgary Home Guide - 12 June, 2015

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