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10/06/2026
What buyers in the $1M+ market are looking for might surprise you. It is rarely about having the biggest house on the street. The details that truly matter are the ones that improve everyday living an...
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What buyers in the $1M+ market are looking for might surprise you. It is rarely about having the biggest house on the street. The details that truly matter are the ones that improve everyday living and protect long-term value, such as natural light, privacy, and good walkability. Understanding what buyers actually value can completely change the way you approach real estate as a real estate agent, especially in the luxury real estate market. 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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09/06/2026
Trying to buy a new home while selling your current one? It can feel like a logistical nightmare.
This week on Under One Roof MTL,
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Trying to buy a new home while selling your current one? It can feel like a logistical nightmare. This week on Under One Roof MTL,
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06/06/2026
What buyers in the $1M+ market are looking for might surprise you.
It is rarely about having the biggest house on the street. The details that truly matter are the ones that improve everyday living an...
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What buyers in the $1M+ market are looking for might surprise you. It is rarely about having the biggest house on the street. The details that truly matter are the ones that improve everyday living and protect long-term value. What stands out most: • Natural light • Privacy • Functional layouts • Walkability & convenience • Strong construction quality The luxury market is becoming more intentional, and understanding what buyers actually value can completely change the way you buy, sell, or market a home. Thinking about entering Montreal’s premium market? Let’s connect. #MontrealRealEstate #LuxuryRealEstate #LuxuryHomes
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05/06/2026
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/...
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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/ In the U.S., homeowners can deduct their mortgage interest from their taxes. In Canada, we can't. But there's a legal strategy that lets you convert your mortgage into a tax-deductible investment loan. It's called the Smith Manoeuvre and almost nobody uses it. In this video I break down: → How the Smith Manoeuvre works step by step (readvanceable mortgage + HELOC + income-producing investments) → The tax law behind it → A real example → How to connect this to real estate investing (not just dividend stocks) → Option 1: dividend-paying stocks and ETFs → Option 2: using HELOC equity as a down payment on a plex → Cash damming for landlords, the advanced technique → Who should do this vs. who absolutely should not → The 3 CRA rules you must follow or risk losing the deduction entirely → Market risk and interest rate risk, the honest trade-offs This is one of the most powerful wealth-building tools available to Canadian homeowners, and it's barely talked about. I'm
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03/06/2026
🚨 Thinking about co-signing for someone? Watch this first.
Most people think co-signing is just “helping out.”
But the bank sees it differently 👇
If you co-sign:
✔ The FULL debt appears on your cre...
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🚨 Thinking about co-signing for someone? Watch this first. Most people think co-signing is just “helping out.” But the bank sees it differently 👇 If you co-sign: ✔ The FULL debt appears on your credit report ✔ The monthly payment counts against YOUR income ✔ Late payments hurt YOUR credit score ✔ You become legally responsible for the loan Example: 🚗 Co-sign a car loan with a $700/month payment 🏡 Your home buying power could drop by ~$100,000 And if they stop paying? The lender comes after YOU. 💡 If you plan on buying a home in Montreal in the next few years, avoid co-signing unless you fully understand the risk. Follow for more real estate and financial tips. . . .
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31/05/2026
Zillow-style estimates and online home value calculators are everywhere. But how accurate are they when it comes to determining what your home is actually worth?
This week on Under One Roof MTL,
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Zillow-style estimates and online home value calculators are everywhere. But how accurate are they when it comes to determining what your home is actually worth? This week on Under One Roof MTL,
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30/05/2026
🏡 Think kitchens and bathrooms have the best ROI?
Wrong.
According to the latest Cost vs. Value report, the home upgrade with the highest return on investment is actually:
🚪 Replacing your garage d...
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🏡 Think kitchens and bathrooms have the best ROI? Wrong. According to the latest Cost vs. Value report, the home upgrade with the highest return on investment is actually: 🚪 Replacing your garage door 📈 Average ROI: 194% Example: • Spend ≈ $4,000 • Add ≈ $8,000 in home value But the real magic goes beyond the numbers 👇 Your garage door is one of the FIRST things buyers notice. A clean, modern exterior creates an emotional reaction before they even walk inside — and that affects how buyers value the entire property. 💡 Smart renovations aren’t always expensive. Sometimes curb appeal wins. 📍Follow for more real estate and home value strategies in Montreal.
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29/05/2026
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/ Fixed or variable? It's the question I get asked more than anything else right now and in 2026, the answer is genuinely different from what it was a year ago. The Bank of Canada cut rates seven times between June 2024 and September 2025, bringing the policy rate from 5% to 2.25%. But then they stopped. Meanwhile, fixed rates have actually started going UP, driven by bond yields, inflation expectations, and global uncertainty. In this video I break down: → Why fixed and variable rates are diverging in 2026 → The real math on a $600K Montreal mortgage VS variable at 3.6% vs. fixed at 4.2% → Stress-test scenarios: what happens if the BoC raises 50 or 100 basis points → Break penalties: the most overlooked factor (and why it could cost you $25,000) → My honest framework: when to go variable, when to go fixed, and the shorter-term option most people forget → Renewal advice for the 1.2M Canadians facing payment shock this year There's no universally right answer but there IS a right answer for your situation.
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27/05/2026
🏡 Zillow says this $500,000 house costs:
• $2,500/month to rent
• $3,400/month to buy
So… which one actually builds wealth?
If you rent:
💸 $2,500 leaves your account every month
➡ After a year = no...
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🏡 Zillow says this $500,000 house costs: • $2,500/month to rent • $3,400/month to buy So… which one actually builds wealth? If you rent: 💸 $2,500 leaves your account every month ➡ After a year = no equity If you buy with 5% down: 📉 About $450/month pays down your loan balance 📈 At 4% appreciation, the home gains ≈ $1,600/month in value That’s roughly: 💰 $24,000 increase in net worth in year one alone Yes, buying costs more monthly upfront, but part of that payment is building wealth instead of disappearing forever. 📍 Thinking about buying in Montreal? Follow for real estate strategies that actually explain the math.
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24/05/2026
🏡 Wondering: “How much house can I actually afford?”
Most online mortgage calculators are misleading because they don’t explain the real qualification range lenders use.
Here’s the quick formula:
💰...
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🏡 Wondering: “How much house can I actually afford?” Most online mortgage calculators are misleading because they don’t explain the real qualification range lenders use. Here’s the quick formula: 💰 Step 1: Take your gross monthly household income 💰 Step 2: Divide by 3 That gives you a comfortable estimated monthly housing payment. Example: $100,000/year income = ~$8,333/month gross income Divide by 3 → ~$2,770/month housing budget 📉 At today’s rates with 10% down: ≈ $500,000 purchase price BUT… If you have little or no debt, lenders may allow up to 40% debt ratios: ➡ ~$3,333/month payment ➡ ~$625,000 purchase price That’s a HUGE difference in buying power. 📍 Thinking about buying in Montreal? 📞 Call or Text: 514-578-6397 📧 Email: [email protected] 📅 Free Consultation: https://www.meetwithlj.com/ . . . #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #MontrealRealEstate #MontrealRealEstate #MortgageTipsCanada #HowMuchHouseCanIAfford #FirstTimeBuyerMontreal #MontrealRealtor #HomeBuyingTips #RealEstateAdvice #BestRealEstateAgentMontreal #MontrealHomes
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24/05/2026
The first few days after your home hits the market can completely shape the outcome of your sale.
This week on Under One Roof MTL,
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The first few days after your home hits the market can completely shape the outcome of your sale. This week on Under One Roof MTL,
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22/05/2026
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/ Is real estate in Quebec still worth it in 2026? I get asked this almost every week and the answer surprised even me. While most of Canada is cooling off, Quebec is doing something completely different. In this video, I walk you through the real numbers straight from the Centris database and the QPAREB barometer so you can judge for yourself. Here's what we cover: → Q1 2026 results: 23,354 residential sales across Quebec, right at the 10-year average → Price growth by property type: single-family homes up 6%, plexes up 8%, condos up 3% → Montreal hits new all-time highs: $652,250 median for single-family, $880,000 for plexes → Toronto down 7%, Vancouver down 5% → Why Quebec is moving in the opposite direction → The 3 reasons Quebec's market is different: supply scarcity, diversified economy, relative affordability → The rental side: TAL approves highest rent increase in 30+ years, vacancy at 2.9% → Why plexes are the standout asset class right now → 4 risks every investor needs to watch: immigration slowdown, condo oversupply, mortgage renewals, trade uncertainty → What smart investors are actually focusing on in 2026 → Bank of Canada rate outlook and why this is a window of predictability The days of buying anything and watching it go up are behind us. In 2026, execution matters. Location matters. Your numbers need to be real. I'm
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20/05/2026
Your starter home might not fit your life anymore… and that’s okay.
Sometimes the signs are subtle:
1. You keep renovating but still need more space.
2. Your equity is growing, but your lifestyle isn...
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Your starter home might not fit your life anymore… and that’s okay. Sometimes the signs are subtle: 1. You keep renovating but still need more space. 2. Your equity is growing, but your lifestyle isn’t. 3. And somehow… you keep checking Centris “just to look.” The truth is, many homeowners outgrow their first property long before they realize what’s actually possible for their next move. 📩 Curious what your current equity could unlock in today’s Montreal market? Let’s talk strategy.
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17/05/2026
The first 7 days of your listing matter more than most sellers realize.
That’s when your home gets maximum visibility, maximum alerts, and maximum buyer attention.
After that window, momentum naturall...
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The first 7 days of your listing matter more than most sellers realize. That’s when your home gets maximum visibility, maximum alerts, and maximum buyer attention. After that window, momentum naturally shifts and the conversation changes. 📩 If you’re planning to list in Montreal, let’s make sure your first week is working for you, not against you. 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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17/05/2026
Home inspection reports can be intimidating, especially for first-time buyers. But how do you know which issues actually matter… and which ones are just part of owning a home?
This week on Under On...
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Home inspection reports can be intimidating, especially for first-time buyers. But how do you know which issues actually matter… and which ones are just part of owning a home? This week on Under One Roof MTL,
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15/05/2026
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/ Not every buyer showing up to your home is there for the same reason. And if you don't recognize who you're dealing with, it's very easy to reject the best opportunity you're going to get. In this video, I break down the three completely different types of buyers moving through the Montreal spring market, how each one behaves, how each one negotiates, and what their presence tells you about your listing's momentum. Here's what we cover: → Why most sellers assume all buyers are the same (and why that's costly) → The Urgent Buyer: already lost 1–2 properties, emotionally ready to act, asks about timelines and closing dates → The Comparison Buyer: analytical, visits multiple homes in the same weekend, builds context before committing → The Opportunistic Buyer: appears later, monitors listings that sit too long, negotiates for leverage not value → How the buyer mix shifts over time and what that means for your negotiation power → Why strong early interest is rarely random → How to read buyer signals during showings: questions, timing, second visits → The moment when your audience shifts from motivated buyers to bargain seekers Understanding who is walking through your door changes everything about how you negotiate, when you accept, and when you push back. I'm
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10/05/2026
How do you know when it's finally time to sell your investment property?
This week on Under One Roof MTL,
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How do you know when it's finally time to sell your investment property? This week on Under One Roof MTL,
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09/05/2026
Your listing isn’t “quiet”… it’s giving you signals.
In the first 10 days, momentum tells you everything and small positioning details can completely change the level of attention you get.
Price band,...
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Your listing isn’t “quiet”… it’s giving you signals. In the first 10 days, momentum tells you everything and small positioning details can completely change the level of attention you get. Price band, competition, presentation… it all plays a role in whether buyers even see your home. 📩 If your listing feels slow, let’s adjust it strategically before you lose momentum. #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips #MontrealRealEstate #SellingStrategy #RealEstateTips
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08/05/2026
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/ You get your first offer. It's decent, not amazing, not terrible. And now you're stuck asking yourself: do I accept this… or wait for something better? Spring is the most dangerous season for this decision. Because inventory is rising, buyers are active, but momentum can disappear faster than most sellers expect. In this video, I break down exactly how I guide sellers through that moment, when to accept, when to counter, and when waiting will actually cost you. Here's what we cover: → The momentum window: why the first 7–14 days on market carry the most energy → How to read traffic signals: showings, second visits, agent feedback → The spring illusion: why more buyers doesn't mean more offers for YOUR home → The pattern I've seen too many times: waiting for a better offer that never comes → When I recommend accepting vs. when we push for more → Why the first serious buyer is often your strongest buyer → The real cost of days on market and how perception shifts against you The biggest mistake isn't accepting too early, it's misreading the market in real time. Spring rewards sellers who move with clarity. It punishes those who chase perfection. I'm
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06/05/2026
The appraisal came in low. Now what?
This is more common than you think , especially in fast markets like Montreal.
The key isn’t to panic. It’s to understand your options and move quickly before dea...
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The appraisal came in low. Now what? This is more common than you think , especially in fast markets like Montreal. The key isn’t to panic. It’s to understand your options and move quickly before deadlines hit. 📩 If you’re in this situation, let’s review your strategy and protect your deal. #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips #MontrealRealEstate #HomeBuyingTips
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03/05/2026
Thinking about selling your home? Wondering what the process actually looks like behind the scenes?
This week on Under One Roof MTL, we walk you through the real seller's journey, from pricing and ...
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Thinking about selling your home? Wondering what the process actually looks like behind the scenes? This week on Under One Roof MTL, we walk you through the real seller's journey, from pricing and prep to accepting an offer. Plus, we break down whether paying down your mortgage faster is always the smart financial move. In This Episode: What's Happening in the Market Right Now • The Bank of Canada holds interest rates steady • Mortgage debt is rising fastest among Canadians nearing retirement • More homeowners are leveraging equity to help younger buyers, raising long-term financial considerations Real Estate: The Seller's Journey — What Selling Your Home Actually Looks Like • Seller consultation, pricing strategy, and reviewing comparables • Gathering documents, warranties, and setting inclusions/exclusions • Decluttering and preparing the home for market • Managing showings and adapting based on buyer feedback • Accepting an offer after 16 days, within target price and preferred closing timeline • What sets
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02/05/2026
Should you get a pre-sale home inspection before listing your Montreal property? This week, we discuss how a home inspection can build buyer confidence and reduce surprises, especially in competitive ...
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Should you get a pre-sale home inspection before listing your Montreal property? This week, we discuss how a home inspection can build buyer confidence and reduce surprises, especially in competitive segments. However, it also means full disclosure of any property issues found. We'll evaluate whether transparency strengthens real estate negotiation or weakens your position, helping you decide if this strategy gives you an edge. 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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01/05/2026
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/ When your home listing goes quiet after an initial rush, it's a critical moment to re-evaluate your approach. This video addresses the anxieties of selling a home, focusing on why "visibility creates leverage" and "presentation drives attention." We'll discuss essential home selling tips and real estate advice to keep your property competitive, ensuring your home selling strategy is effective and prevents momentum from fading quietly. 📩 If your listing feels quiet, let’s adjust strategically , not emotionally. 📞 Book a free 15-minute listing strategy call, we'll review your band positioning, your competition, and your momentum window. 🔔 Subscribe for weekly Montreal real estate insights that help you sell smarter.
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28/04/2026
If your listing is quiet after a busy first week, it's normal, but it's a signal to reassess your positioning. A sharp drop in traffic can indicate issues with pricing, new competition, or weak presen...
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If your listing is quiet after a busy first week, it's normal, but it's a signal to reassess your positioning. A sharp drop in traffic can indicate issues with pricing, new competition, or weak presentation compared to alternatives. This video offers advice on making strategic adjustments to your real estate marketing, rather than emotional reactions, to ensure your business stays competitive. 📩 If your listing feels quiet, let’s adjust strategically , not emotionally. 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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