You have home-buying questions? We have answers.
Building a home is exciting, but it can feel a little overwhelming. We’ve built thousands of homes and would love to share what we’ve learned. Here are some answers to the questions we often hear about what happens before and after you buy your Cardel home.
Before you buy a Cardel home.
To ensure your safety as well as the health and well-being of our sales team, capacity will be limited in our model homes and sales centres. View our sales centre hours and locations by clicking this link. Please note that we will follow public health and government guidelines and other safety measures to ensure the well-being of all visitors and the Cardel sales team. In order to visit one of our sales centres we ask that you fill in our COVID questionnaire upon arrival. During COVID, guidelines around model home tours are subject to change on short notice.
All Cardel floorplans are available online, and available options have been pre-selected and priced. We are unable to adjust these prices. Prices are in all floorplan, elevation and structural options. Design selections and pricing will be available to our new homeowners during the home construction phase.
The deposit and milestone payments required during the process of buying a Cardel home are structured as follows:
- A $2,000 lot deposit is required to hold your home.
- Upon signing an Agreement of Purchase and Sale (APS), 10% of the pre-tax purchase price of the home is due and payable. If you are purchasing the property as an investment property, 20% of the pre-tax purchase price is due and payable.
- After making selections at the Design Centre, a 10% deposit is required on upgrades.
- The balance of the full purchase price remaining (including upgrades and taxes) is due upon closing before moving in.
Like many aspects of our day-to-day operations, COVID-19 has had an impact on how and when we release new lots in all our communities. A number of factors are involved, including permits, construction materials, labour availability and the number of homes already under construction in any given community. Considering all these factors, we release a limited number of lots along with current home pricing every few weeks in most of our communities. Interested homebuyers who have registered online are always the first to know via email.
Choosing to buy a home with pre-selected options means that your home can also be ready faster as we know that the materials selected are readily available, which is especially important these days when COVID has meant delays in manufacturing and shipping. It also removes a step that some homebuyers can find stressful – selecting finishes and materials.
All Cardel home prices in Ottawa include applicable sales taxes, and we are legally required to include, collect and remit taxes to government authorities. This is the case with all new home builders in the Province of Ontario.
If you are purchasing the property for investment, or you are considered a foreign buyer, the purchase would be subject to the full HST amount in addition to the purchase price. All home purchases will be subject to a land transfer tax at the time of closing. A lawyer or accountant is the best person to consult with for these particulars and any other circumstances.
You do not need a real estate agent to buy a new home from Cardel. If you are working with a real estate agent, you are welcome to consult with them and invite them to appointments, but we do not currently offer a co-broke or commission program.
Many of our floorplans include options that are popular with new home buyers, including adding bedrooms, additional windows and more. As a production builder, we do not typically offer options beyond those identified on individual floorplan plans.
With the exception of the small deposit that purchasers pay, Cardel is assuming all risks and financing all the costs of building a new home, including development fees, permits, inspections, labour, insurance and materials. Asking for proof of pre-approval is simply our method of ensuring that purchasers are in a financial situation to support and complete their new home purchase.
Other than controlling your excitement and anticipation, your only significant tasks will be making design and finishing decisions on your new home. If you have purchased a single-family home, you will be selecting exterior and interior finishes. Semi and townhome buyers will simply select interior finishes. After that is done, you can go back to being excited about moving into your new Cardel home.
At the time of writing, it typically takes approximately 12 months to build a new home from the time a sales agreement has been signed by all parties.
Designing and building your Cardel home
Your visit to the Cardel Design Centre to meet with a designer and make your selections generally happens within 60 days of purchasing your new home.
For reasons of safety and liability and in order to qualify for a new home warranty, all flooring, countertops, cupboards, etc., must be purchased and installed by Cardel. Homebuyers are provided with options for many of these materials.
Our sales team will be your primary point of contact throughout the construction of your new home, keeping you informed of the progress. While selecting your home finishes, you will be in contact with one of Cardel’s designers.
Hiring a home inspector is entirely your choice but is not required. If a home inspector is hired, the best time to do so would be within your new home warranty period. Be sure to ask if the home inspector is certified in conducting new construction inspections.
Given that materials have to be ordered weeks in advance and that construction people have to be scheduled ahead of time, it is not possible to make changes once construction has begun.
For single-family homes, we do offer guided structural tours accompanied by a member of the Cardel team during the construction of your new home. Pending COVID restrictions, just prior to moving into your new home, you will be invited to either an in-person or virtual Pre-Delivery Inspection (PDI) of your new home. At all other times and for your own safety and liability issues, we are not able to allow buyers to walk through homes under construction unattended.
Our team will continue to keep you regularly informed of your home’s progress through direct emails that often include photos. If a delay is necessary, following the Tarion Statement of Critical Dates, you will be notified in ample time to make any necessary arrangements.
Tarion is a not-for-profit consumer protection organization established by the Ontario government to administer the province’s new home warranty program. By law, all new homes built in Ontario are provided with a warranty by the builder. Tarion’s role is to ensure that buyers of newly built homes in Ontario receive the coverage they are entitled to under their builder’s warranty. For more information, visit the Tarion website.
Cardel Homes is a family-owned company founded by Del and Caryl Ockey in Calgary in 1973. Cardel built its first home in Ottawa in 1996 and today builds homes in Calgary, Ottawa, Denver, Colorado and Tampa, Florida.
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