Residential Real EstateGarden Suites: An Innovative Option for Canadians
Canadian laws have regulated Canadians into "thinking inside the box"
when it comes to their homes. Innovation is often restricted by "housing rules"
which include ‘larger is better" and ‘one house per lot is best." Canada
Mortgage and Housing Corporation, the federal housing agency, promotes
‘thinking outside the box" that breaks through these rules to embrace
innovations such as garden suites—small, self-contained homes added to
the lot of an existing single-family house.
Garden suites combine care giving and independence-enabling features in one
solution to the varied housing challenges that face our growing population of
senior citizens and their families. This type of housing gives each elderly
resident the best of both worlds: the privacy and independence of having one"s
own home combined with the companionship and peace of mind gained by having
caring family members close at hand.
Wilf Gillberry, president of Oshawa-based Garden Units
Leasing Ltd., sees growing demand, largely as a reaction to the cost of
retirement housing: "Today, we are all seeking lower taxes which means less
public funding directed towards eldercare. Eight-five percent of eldercare is in
the care component not the accommodation. If the family looks after their
grandparents at no cost other than mutual love and affection, this is a huge
amount of money saved."
Garden suites, originally known as granny flats and frequently called care
units, allow elderly individuals and couples to remain on their own property, or
that of a family-member. Additional benefits include elimination of the stresses
of isolation and relocation. Garden suites are not apartments but temporary
(portable or prefabricated) one-storey, basement-less, one or two bedroom homes
added to an existing property to house elderly and/or disabled people who wish
to live independently but may need some help to do so.
Although this housing option is a proven retirement-housing alternative in
Australia, local Canadian municipal governments have given garden suites a cool
reception. Those interested in having a garden suite often find their plans
altered, delayed or aborted by municipal zoning bylaws, which regulate
land use and building standards on a property by property basis. Gillberry says
that municipalities nervous of garden suites are concerned that the unit would
be used to house the non-elderly, potentially straining on-street parking and
school systems. He feels the solution is not individually purchased or built
garden suites but leased units.
"These care units should be regarded as an article which you hire from a local
rental," said Gillberry. "When the care unit has fulfilled its specific
function, you return this piece of equipment to the rental agency. The business
opportunity lies in the sheer number of people interested."
Canada Mortgage and Housing Corporation"s 1989 national garden suite
demonstration led to government projections of 213,000 families potentially
interested in a garden suite.
Variations on the garden-suite concept, for elderly individuals or couples, include:
A retired homeowner retaining ownership of the property, moving into a
garden suite and letting family members "blood-related or extended" take over the
main house;
A retired homeowner selling or giving the property to a family member
or members with the provision that the retiree may live in a garden suite on the
property;
A retiree moving into a unit on a family members property;
A retiree and family members jointly buying a property, perhaps a
recreational property, with the agreement that the retiree would have a garden
suite and the others would use the house or cottage;
A grandchild affording a house by hosting a grandparent"s garden suite
in exchange for financing.
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