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14/08/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ There's one question that predicts whether you'll regret buying a home and almost nobody asks it before they sign. After 18 years and 875+ transactions, I've sat across from people who regret their purchase. It's almost never about the price, the rate, or the timing. It's because they bought under pressure or for a version of their life that didn't happen. In this video: → The real reasons people regret buying (it's not what market reports cover) → The one question to ask yourself before making an offer → Real stories → 3 ways to pressure-test your answer before you sign → The difference between wanting the house and wanting to WIN I'm
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13/08/2026
Renters are quietly winning right now and I say that as someone who sells homes for a living.
Prices are still climbing, but sales are down and listings are piling up. That's a standoff, and whoever...
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Renters are quietly winning right now and I say that as someone who sells homes for a living. Prices are still climbing, but sales are down and listings are piling up. That's a standoff, and whoever's ready when it breaks gets the leverage. Renting right now isn't losing. It's not having a plan for when the market moves that's the real mistake. 👇🏻Drop TIMING below and I'll break down your specific situation in the replies. 📅 Or book a call and we'll work on it together. #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips #RentVsBuy #MontrealRealEstate #RealEstateMath #RealEstateMarket #HousingMarket2026
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11/08/2026
Lenders don't just look at your income, they look at every monthly debt you carry. Here's how one payment could be quietly shrinking your mortgage approval by six figures.
#mortgage #homebuying #firs...
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Lenders don't just look at your income, they look at every monthly debt you carry. Here's how one payment could be quietly shrinking your mortgage approval by six figures. #mortgage #homebuying #firsttimehomebuyer #debttoincomeratio #realestatetips #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #MontrealRealEstate #MontrealRealEstate #HomeUpgrades #CurbAppeal #RealEstateTips #MontrealRealtor #HomeValue #BestRealEstateAgentMontreal #RenovationTips #MontrealHomes
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08/08/2026
Highest interest first sounds smart but it's not what actually gets people out of debt. Here's the method that works because you'll actually stick with it.
#debtpayoff #debtfree #personalfinance #deb...
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Highest interest first sounds smart but it's not what actually gets people out of debt. Here's the method that works because you'll actually stick with it. #debtpayoff #debtfree #personalfinance #debtsnowball #moneymanagement #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #MontrealRealEstate #MontrealRealEstate #HomeUpgrades #CurbAppeal #RealEstateTips #MontrealRealtor #HomeValue #BestRealEstateAgentMontreal #RenovationTips #MontrealHomes
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07/08/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ Should you rent or buy in Montreal right now? I ran the break-even calculation live on one of my own active listings with real numbers. No theory. No assumptions. Just math. In this video: → The one number that tells you if buying beats renting for YOUR situation → Live calculation: $790K home in La Prairie vs. renting at $2,900/mo → Path 1 (buy): equity after 5 years = $312,846 → Path 2 (rent + invest the difference): portfolio after 5 years = $257,069 → Buying wins by $55,777! Even with conservative 5% appreciation vs. 10% stock returns → Why forced savings beats investment discipline for 99% of people → 3 factors that tilt the math further in the buyer's favor → How to run this calculation for your specific situation I'm
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05/08/2026
Not every "deal" is actually a deal. These 5 red flags can quietly drain your budget or make your home hard to sell later. Save this for your next house hunt.
📍 More real estate tips every week
#real...
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Not every "deal" is actually a deal. These 5 red flags can quietly drain your budget or make your home hard to sell later. Save this for your next house hunt. 📍 More real estate tips every week #realestate #homebuying #realestatetips #firsttimehomebuyer #househunting #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #MontrealRealEstate #MontrealRealEstate #HomeUpgrades #CurbAppeal #RealEstateTips #MontrealRealtor #HomeValue #BestRealEstateAgentMontreal #RenovationTips #MontrealHomes
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31/07/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ The average Toronto home costs over $1,050,000 and prices are falling. Montreal's average is $649,000 and prices are rising. That's a $400,000 gap and it's getting wider. In this video I break down exactly what Toronto and Vancouver homeowners need to know about Montreal, whether you're relocating or investing from a distance. Here's what we cover: → Side-by-side: what $800K, $1.2M, and $1.5M buy you in Toronto vs. Montreal → The equity arbitrage: sell Toronto at $1.2–$1.5M, buy Montreal at $800K–$1M, pocket $300K–$500K → Why the two markets are moving in opposite directions (Toronto -3.9%, Montreal +4%) → The plex advantage: Montreal's asset class that Toronto doesn't have at this price point → Real numbers: triplex at $900K, $4,500/mo rental income, near break-even from day one → 4 things you MUST know before buying in Quebec (welcome tax, Bill 96, TAL tenant law, cross-provincial taxes) → Who this makes sense for and who should stay put → The lifestyle factor: why housing cost savings change everything I personally own and manage investment property in Montreal. This isn't theory, I have my own money in this city. I'm
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29/07/2026
Explore Summit Circle, the most expensive street in Westmount, Montreal.
💰 Homes: $5M–$15M
🏡 Average sales per year: 1
Owning here is an opportunity that rarely comes around.
Sitting on Mount Royal,...
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Explore Summit Circle, the most expensive street in Westmount, Montreal. 💰 Homes: $5M–$15M 🏡 Average sales per year: 1 Owning here is an opportunity that rarely comes around. Sitting on Mount Royal, this private and prestigious street offers some of Montreal's most spectacular views, easy access to the park, and a rare sense of tranquility just minutes from downtown. Want more hidden gems and surprising real estate facts about Montreal? Tell us what we should explore next! 👇 #montreal #discoverMontreal #mtlrealestate #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers
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24/07/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ Should you buy a home in Montreal now or wait until 2027? I get asked this every week. And I understand the concern. Interest rates might drop, prices might cool, maybe there's a better deal around the corner. But I did the math. And the math says something most people don't want to hear: waiting is not free. In this market, waiting 12–18 months could cost you $50,000 to $103,500. In this video: → Where we stand right now → What Canada's 6 major banks are forecasting for 2027 → The Iran conflict, oil prices, and inflation at 3.2% → Side-by-side math: Scenario A (buy now at $1.1M) vs. Scenario B (wait 18 months) → The $103,500 total cost of waiting (broken down line by line) → The purchasing power trap: how 1% in rates shrinks your budget by 10% → The honest other side: when waiting IS the right call → What smart buyers are doing right now (3 moves) No opinions. Just math. Then you decide. I'm
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20/07/2026
STOP SCROLLING! 🚨
Would you rather buy ONE investment property in Toronto… or get WAY MORE for the same money in Montreal? 🤯
The numbers don't lie.
Does that mean Montreal is the better investment?...
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STOP SCROLLING! 🚨 Would you rather buy ONE investment property in Toronto… or get WAY MORE for the same money in Montreal? 🤯 The numbers don't lie. Does that mean Montreal is the better investment? Not necessarily. Every investor has different goals. 🔥 So here's the question: If you had the same budget today... where are you investing? 🇨🇦 Toronto or Montreal? Drop your answer in the comments and tell me WHY. 👇 Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/
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17/07/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ Q2 2026 Montreal real estate is in. Sales are down 7%. Listings are up 14%. Sounds like a slowdown, but prices are still rising across every category. In this video I break down the full Q2 data, no hype, just boots-on-the-ground insight from the Montreal market. Here's what we cover: → Grater Montreal Area overview → Why fewer sales + rising prices = a constrained market, not a declining one → Geographic breakdown → Fundamentals: vacancy, rents, mortgage rates, housing → What this means for buyers, sellers, and investors → My outlook for Q3 2026 The word for this market: momentum. The volume correction is behind us. The setup for Q3/Q4 is the strongest it's been in over a year. I'm
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11/07/2026
Your mortgage renewal is not just paperwork. It’s a financial decision.
Too many homeowners accept the first offer they receive without realizing they may have options.
A renewal is the perfect mome...
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Your mortgage renewal is not just paperwork. It’s a financial decision. Too many homeowners accept the first offer they receive without realizing they may have options. A renewal is the perfect moment to review your rate, your mortgage strategy, and even your next move. The goal isn’t just to renew. It’s to make sure your mortgage is still working for you. 📩 Have a renewal coming up? Let’s talk strategy and connect you with the right experts to explore your options.
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10/07/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ Last week I showed you how I read Centris listings like a broker. Today I'm taking it one step further, I'll show you how I form an opinion on a property in 10 minutes or less. A client sent me a waterfront listing in Pierrefonds: under $900K. Their question was simple "What's the catch?" In this video, I walk you through my exact screening process in real time: → Broker back-end: what CPP (Conditional Promise to Purchase) means and why it matters → Flood zone check: Zones Inondables map, what the lines mean, yellow flags vs. red flags → Google Maps analysis: bus stops, neighbours, noise, surrounding environment → Seller's Declaration deep dive → Sold without legal warranty, what that means for you → Certificate of Location → My verdict: is this property worth visiting or not? This is Part 2 in the series. Part 1 covered the public Centris view. This video shows the broker back-end, the documents you don't see as a buyer. Send me any listing and I'll give you my honest take, no obligation. I'm
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06/07/2026
Your home may be worth more than you think.
If you bought a few years ago, your equity could be the reason your next home is already within reach.
The biggest mistake? Assuming you have to start ove...
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Your home may be worth more than you think. If you bought a few years ago, your equity could be the reason your next home is already within reach. The biggest mistake? Assuming you have to start over. Your first home was never meant to be your last, it was meant to help you build toward what's next. 📩 Curious how much equity you've built and what it could unlock? Send us a DM. We'll run the numbers and show you your options, no pressure, just clarity. Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/
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03/07/2026
What does $1M actually buy in Canada?
In some cities, not as much as you'd think.
In Montreal, it can still mean character, space, parking, architectural details, and a lifestyle that's hard to find...
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What does $1M actually buy in Canada? In some cities, not as much as you'd think. In Montreal, it can still mean character, space, parking, architectural details, and a lifestyle that's hard to find elsewhere. That's why Montreal continues to be one of the most compelling luxury markets in the country. 📩 Curious what your budget could get you in today's market? Book a call with me and we'll show you what's possible. Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/
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03/07/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ You've probably spent hours scrolling Centris, looking at photos and trying to figure out what it all means. But are you reading listings the way a broker does? In this video I open up real, live Centris listings and walk you through exactly how I analyze them, what I look at first, what raises red flags, and what most buyers scroll right past. This is Part 1. Part 2 shows you the private broker view, comparable sales, and how I build an offer strategy. I'm
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26/06/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ If you signed a mortgage in 2020 or 2021, your renewal is coming and your payment IS going up. You locked in at 1.5–2.5%. Today's best rates are 3.6–4.2%. On a $500K mortgage, that's $300-$500 more per month. But here's what nobody is telling you: your renewal is also the single best moment to rethink your entire mortgage strategy. And over 60% of Canadians waste it by just signing whatever their bank sends. In this video: → Why your bank's renewal letter is NOT their best rate → The $13,000 savings from switching lenders (backed by data) → The stress test exemption that changed everything in late 2024 → 4 questions to ask beyond "what's the lowest rate?" → My exact 120-day renewal timeline (rate holds, competing offers, negotiation) → How Montreal's 20-30% appreciation changes your equity math → Using renewal to fund the Smith Manoeuvre or invest in a plex → Quebec-specific: notarial signing requirements Your renewal only comes once every five years. Make it count. I'm
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22/06/2026
Your home is probably not worth what you think it is.
And that's not a bad thing, it's just that most homeowners rely on the wrong references.
Your neighbour's asking price, an online estimator, or ...
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Your home is probably not worth what you think it is. And that's not a bad thing, it's just that most homeowners rely on the wrong references. Your neighbour's asking price, an online estimator, or a renovation from years ago don't tell the full story. The real number comes from today's market, comparable sales, and what buyers are actually willing to pay. 📩 Thinking about selling, upgrading, or simply curious? DM us for a no-obligation market evaluation and get clarity before making your next move. . . . #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips
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20/06/2026
If you're looking to buy in Montreal, don't just follow the headlines, follow where buyers are actually moving.
From the family-friendly streets of NDG, to the prestige of Outremont, to the rapid gro...
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If you're looking to buy in Montreal, don't just follow the headlines, follow where buyers are actually moving. From the family-friendly streets of NDG, to the prestige of Outremont, to the rapid growth of Little Burgundy, these are three neighbourhoods worth watching right now. 👀 Which one would you choose? Comment below or send us a DM, and we'll show you what's available within your budget. 🏡 Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/
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19/06/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ If you're looking for your forever home in Montreal, the question isn't what to buy, it's where. This isn't a generic list with walk scores you can find on Google. I've worked these neighbourhoods for almost 18 years. I know which streets flood, which parks are packed on weekends, and which coffee shops are worth the wait. In this video I give you the real tour of 5 neighbourhoods: 🏡 Town of Mount Royal (TMR) - Understated wealth. Village feel. $1.9M average. Best public schools on the island. 🏡 Outremont - Old-world elegance meets wealthy millennials. $2M+ single-family. $900K condos. Stunning architecture. 🏡 NDG (Monkland Village) - Best balance of lifestyle, value, and upside. $1M–$1.6M. Best commercial strip in Montreal. 🏡 Verdun (Wellington corridor) - Best value proposition in the city right now. $900K–$1.3M. Waterfront access. 🏡 Westmount - The epitome of luxury. $1.5M–$5M+. Highest price per square foot in Montreal. For each one: who lives there, real prices from Centris, what's great, and the honest downside nobody tells you. Plus: the 3 questions to ask yourself before choosing a neighbourhood. I'm
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16/06/2026
Thinking about tackling some exterior projects this summer? Before you spend thousands on landscaping, paving stones, or a backyard makeover, it's worth knowing which upgrades actually add value to yo...
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Thinking about tackling some exterior projects this summer? Before you spend thousands on landscaping, paving stones, or a backyard makeover, it's worth knowing which upgrades actually add value to your home—and which ones don't. This week on Under One Roof MTL,
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16/06/2026
💰 Wealthy investors don't usually sell their investments to buy real estate.
Instead, they often borrow against their portfolio.
Here's the example:
📈 Portfolio: $1,000,000
🏡 Desired home: $1,000,...
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💰 Wealthy investors don't usually sell their investments to buy real estate. Instead, they often borrow against their portfolio. Here's the example: 📈 Portfolio: $1,000,000 🏡 Desired home: $1,000,000 Most people: • Sell $200,000 of investments for a down payment • Trigger capital gains taxes • Potentially lose tens of thousands to taxes Many wealthy investors instead: ✔ Borrow against their portfolio ✔ Keep their investments growing ✔ Avoid triggering capital gains taxes immediately ✔ Access lower borrowing rates because the loan is secured This strategy is commonly called a securities-backed loan or portfolio line of credit. ⚠️ It isn't risk-free. Investments can decline in value and lenders may require additional collateral. But understanding how leverage works is one reason wealthy investors build wealth differently. 📍 Follow for more real estate and wealth-building strategies.
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13/06/2026
💰 Wealthy people don't think about credit the same way most people do.
Most people see available credit and think:
❌ More debt
The wealthy often see:
✅ More flexibility
✅ More liquidity
✅ More opp...
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💰 Wealthy people don't think about credit the same way most people do. Most people see available credit and think: ❌ More debt The wealthy often see: ✅ More flexibility ✅ More liquidity ✅ More opportunity Here's how it works: • Many high-net-worth individuals keep large credit lines available • They maintain low credit utilization ratios • They can move quickly when opportunities appear 🏡 Real estate deal? 📈 Investment opportunity? 🚀 Business acquisition? They already have access to capital. For homeowners: A Home Equity Line of Credit (HELOC) can provide flexibility without needing to use it immediately. For everyone else: Increasing available credit responsibly can help lower utilization and strengthen your credit profile. The goal isn't to borrow more. The goal is to be prepared. Follow for more real estate and wealth-building strategies.
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12/06/2026
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
Read more
Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ There's a generation of buyers in Montreal right now doing something nobody expected. Mid-30s to early 40s. Household incomes well above average. And they are NOT following the traditional real estate playbook. They're skipping the starter condo. They're thinking about property the way their parents thought about stock portfolios. And the data shows it. In this video I cover the 4 trends defining this new buyer: → Trend 1: Skipping the property ladder - why buying the right home first saves $80K–$120K in transaction costs → Trend 2: Nest investing - treating the primary residence as a core wealth strategy → Trend 3: Multigenerational living - plexes as family homes, not just investments → Trend 4: Lifestyle over square footage - walkability, outdoor space, home offices, neighbourhood character → Real client story: $1.6M single-family vs. $1.1M lower duplex in NDG → Why Montreal is becoming a two-speed market → What this means if you're buying, selling, or investing I'm
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