04/06/2025
🧠 Ever wonder why your friend got a better mortgage rate than you?
It’s NOT random — and it’s not just about putting more money down.
👉 Two key factors affect your rate:
1️⃣ Credit Score
• 740+ = b...
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🧠 Ever wonder why your friend got a better mortgage rate than you? It’s NOT random — and it’s not just about putting more money down. 👉 Two key factors affect your rate: 1️⃣ Credit Score • 740+ = best rates • 700–739 = good • 660–699 = average • Below 660 = higher rates Example: On a $400K mortgage, a 660 credit score could cost $150/month more than a 740 score. 2️⃣ Down Payment % But here’s what they don’t tell you: 📉 Improving your credit score by 20 points can save you more than increasing your down payment by 5%. I’m a real estate agent in Montreal helping buyers play the mortgage game the smart way. Subscribe for real estate hacks the banks won’t tell you.
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01/06/2025
🏡 Want to know the highest ROI upgrade you can make to your home in 2025?
It's NOT the kitchen.
It's NOT the bathroom.
👉 According to the latest Construction Cost vs. Value Report:
• Replacing your ...
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🏡 Want to know the highest ROI upgrade you can make to your home in 2025? It's NOT the kitchen. It's NOT the bathroom. 👉 According to the latest Construction Cost vs. Value Report: • Replacing your front door gives a 188% return • The average cost = ~$2,300 • Value added = ~$4,400 🔥 Want even more ROI? • Replacing your garage door gives you a 194% return • Spend $4,500 → Get ~$9,000 back at resale Most people waste money on upgrades that barely return 60% — when curb appeal sets the emotional tone within 8 seconds. I’m a Montreal real estate agent helping homeowners boost value strategically. 📲 Subscribe for more resale-focused renovation tips and real estate ROI hacks.
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29/05/2025
🏡 My client called me crying — in the best way.
After losing 7 bidding wars, they finally got the house they thought they'd never own.
Here's what made the difference:
✅ A clean, no-drama offer
✅ Pr...
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🏡 My client called me crying — in the best way. After losing 7 bidding wars, they finally got the house they thought they'd never own. Here's what made the difference: ✅ A clean, no-drama offer ✅ Proof of strong financing ✅ A heartfelt personal letter ✅ Flexible terms tailored to the seller’s needs 💡 The highest offer doesn’t always win. The smartest one does. I’m a real estate agent in Montreal helping buyers play the game — and win it. 📲 Ready to write a better offer? Let’s chat.
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26/05/2025
🛑 I’m a real estate agent — and I’m telling you NOT to buy a home unless you can check these 3 boxes:
✅ Box 1: Financial Stability
Not just your down payment — you need 3 months of mortgage payments ...
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🛑 I’m a real estate agent — and I’m telling you NOT to buy a home unless you can check these 3 boxes: ✅ Box 1: Financial Stability Not just your down payment — you need 3 months of mortgage payments saved AFTER closing costs. ✅ Box 2: Understand the TOTAL Monthly Payment That means mortgage + property tax + insurance + fees. You must afford the total, not just the loan. ✅ Box 3: Have a 5-Year Plan If you’re not planning to stay or hold the property for at least 5 years, you could lose money. I’ve seen people rush in, stretch too far, and regret it. If you can’t check these boxes? Don’t buy. Not yet. I’m a Montreal real estate agent who gives you honest advice — even when it means waiting. 📲 Subscribe for real-world real estate insights.
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24/05/2025
📲 Should you use your HELOC as a down payment on a plex?
It can be a smart move! HELOCs offer low, flexible rates — often better than private loans — and let you grow your portfolio without draining ...
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📲 Should you use your HELOC as a down payment on a plex? It can be a smart move! HELOCs offer low, flexible rates — often better than private loans — and let you grow your portfolio without draining your cash. 💡 Bonus: The interest is tax-deductible when used for investment purposes. But be cautious: 📈 Rates can rise 💰 Make sure your rental income covers the costs Want help running the numbers? Add a comment or reach out to me directly!
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22/05/2025
📊 I just pulled real estate data from the last 40 years… and what I found shocked me.
If you had perfectly timed the bottom of the market each cycle since 1980 — vs. just buying when you were ready —...
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📊 I just pulled real estate data from the last 40 years… and what I found shocked me. If you had perfectly timed the bottom of the market each cycle since 1980 — vs. just buying when you were ready — you’d only be 4.2% richer. That’s it. 4.2%. Meanwhile, the average buyer who “waits for the perfect time” ends up sitting on the sidelines for 2.3 years. That’s 2.3 years of: ❌ Missed equity ❌ Missed appreciation ❌ Paying someone else’s mortgage The data is clear: how long you hold has way MORE VALUE than when you buy I’m a real estate agent in Montreal giving you real numbers and no-fluff advice. 💬 Thinking of buying? Let’s look at the long game.
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19/05/2025
💰 Want to know exactly how much income you need to buy a $1,000,000 home in 2025?
In this video, I break it all down — numbers, formulas, monthly payments, and what banks are really looking for.
📉 B...
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💰 Want to know exactly how much income you need to buy a $1,000,000 home in 2025? In this video, I break it all down — numbers, formulas, monthly payments, and what banks are really looking for. 📉 Based on a 20% down payment, 6.19% rate (incl. stress test): 🏡 Principal + Interest = $4,854 🧾 Property Taxes = $650 🛡 Insurance = $175 💸 Total = $5,679/month Bank Formula: $5,679 ÷ 0.40 = $14,198/month → $170,370/year Of course, this varies slightly if you’ve got other debts, but this is the ballpark lenders use. I’m a real estate agent in Montreal giving you numbers you can actually use. 📲 Follow for more real estate breakdowns, buying power tips, and smart mortgage strategies.
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17/05/2025
💔 Breakups are hard… but losing your low mortgage rate? That’s worse.
If two people buy a home together — then split — can one keep the property and the low interest rate?
✅ YES… but only if both pa...
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💔 Breakups are hard… but losing your low mortgage rate? That’s worse. If two people buy a home together — then split — can one keep the property and the low interest rate? ✅ YES… but only if both parties agree From my experience as a real estate agent, here’s what you need to know: • It must be an amicable separation • The person keeping the home must qualify solo • If the other party refuses? Everyone could lose the rate I’ve seen people lose a 1.8% mortgage over disagreements. Don’t let that happen. I’m a Montreal real estate agent sharing real-world situations to help you make smart moves. 💬 Have questions about joint ownership or refinancing after a breakup? Let’s talk.
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13/05/2025
Wondering what to invest in right now—condo, house, or plex?
If you don’t plan on living in the property, plexes are usually the smartest move.
✔️ More rental income
✔️ Easier financing (especially i...
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Wondering what to invest in right now—condo, house, or plex? If you don’t plan on living in the property, plexes are usually the smartest move. ✔️ More rental income ✔️ Easier financing (especially if owner-occupied) ✔️ Strong demand = stable returns Condos work for hands-off investors, but those monthly fees reduce your cash flow. Single-family homes are better for long-term appreciation, but they’re tougher to cash flow in today’s market. 👉 If you’re purely investing, multi-units offer the best balance of income, risk, and growth. #LJRealties #LJAguinaga #RealEstateInvesting #PlexLife #MontrealInvestors #RentalIncome #PassiveWealth #CondoVsHouse #InvestmentTips #DuplexLiving #SmartInvesting #PropertyGoals #InvestorMindset #CashFlowProperties
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10/05/2025
💸 Bank vs Private Lender – Which one’s right for you?
Banks offer lower interest rates but come with stricter requirements — great for long-term holds if you qualify.
Private lenders? Higher rates (7...
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💸 Bank vs Private Lender – Which one’s right for you? Banks offer lower interest rates but come with stricter requirements — great for long-term holds if you qualify. Private lenders? Higher rates (7–12%) and extra fees, but much easier and faster to work with — perfect for flips or time-sensitive deals. I've used both depending on the strategy. DM me if you need help deciding what's best for your situation. 🔑 #LJRealties #MontrealRealEstate #MortgageTips #PrivateLender #RealEstateInvesting #BankOrPrivate #HomeBuyingTips #RealEstateStrategy
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08/05/2025
Welcome to 8155 Boul. Leduc #403. Discover this magnificent corner unit offering completely unobstructed views, located in only a few minutes away from Quartier Dix30. This spacious condo includes 2 l...
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Welcome to 8155 Boul. Leduc #403. Discover this magnificent corner unit offering completely unobstructed views, located in only a few minutes away from Quartier Dix30. This spacious condo includes 2 large bedrooms and 2 full bathrooms, ideally designed for your comfort and lifestyle. Enjoy a large private balcony, 2 garage spaces, 2 storage spaces, as well as a multitude of common areas. Book your visit today! LJ Realties | LJ Immobilier ====== ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ Thinking of Moving to Montreal? 🍁 📱Call or Text: 514 578 6397 📨 Email: [email protected] 📅 Free Real Estate Consultation: https://calendly.com/ljaguinaga ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ ====== . . . . . . #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency #MontrealRealEstate #condoforsale #RealEstateTour #MontrealProperty #HomeSweetHome #PropertyListing #Montreal #MontrealRealestate #houseLiving #2Bedrooms #2bathrooms #MontrealHouse #propertytour #housetour #brossard
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07/05/2025
Are you in the process of purchasing a home or did you recently purchase a home in Quebec? Let me let you in on a little secret.
First-time buyers in certain cities (like Montreal) may get a partial ...
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Are you in the process of purchasing a home or did you recently purchase a home in Quebec? Let me let you in on a little secret. First-time buyers in certain cities (like Montreal) may get a partial or full refund on the land transfer tax, also known as Welcome Tax. Who qualifies: Buyers of a principal residence who meet city-specific conditions. For Example: In Montreal, first-time buyers with a child under 18 years of ago, or experienced buyers with a child under 13 years of age who purchase a property under $725,000 will qualify for a refund between $5,000 - $7,000! This is huge! Make sure you investigate what offers are available in the municipality that you’re shopping in! DM me for more information on the Montreal home purchase assistance program! City of Montreal welcome tax rebate - https://montreal.ca/en/programs/home-purchase-assistance-program . . . . #LJRealties #LJAguinaga #FirstTimeBuyer #HomeBuyingTips #TaxCreditsCanada #MontrealRealEstate #HomeBuyingQuebec #RealEstateMontreal #HomePurchaseHelp #HomeBuyerGrant #MontrealHomes #FirstHome #RealEstateTips #TaxCredits #MontrealProgram #BuyerTips #QuebecRealEstate
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05/05/2025
🚨 The biggest lie in real estate?
“Don’t buy rental properties… you’ll get 3AM calls about broken toilets.”
Here’s the truth, from someone who owns multiple rentals:
☑️ I've had two late-night call...
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🚨 The biggest lie in real estate? “Don’t buy rental properties… you’ll get 3AM calls about broken toilets.” Here’s the truth, from someone who owns multiple rentals: ☑️ I've had two late-night calls in nearly 10 years — and I slept through both ☑️ You can add emergency contact clauses in your leases ☑️ Even better: hire a property manager (for around 7%) and be hands-off Now? I don’t take calls. I just see rent hit my account every month. Don’t let fear stop you from building wealth through real estate. I’m a real estate agent in Montreal helping people buy smarter, not just buy. 👉 Follow for more no-BS real estate strategies.
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03/05/2025
💥 Want to own multiple properties without saving 20% down every time?
Here’s a real estate loophole the banks never talk about:
✅ Buy your primary residence with just 5% down
✅ After living there, t...
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💥 Want to own multiple properties without saving 20% down every time? Here’s a real estate loophole the banks never talk about: ✅ Buy your primary residence with just 5% down ✅ After living there, turn it into a rental ✅ Buy another primary home again — with just 5% down I’ve had clients buy 2 or even 3 properties in just a few years using this strategy. 💡 Example: $400,000 home = $20K down, not $80K This is how the wealthy grow portfolios with less cash upfront. I’m a Montreal real estate agent helping buyers think like investors — even on their first deal. Follow for more real estate strategies most agents won’t tell you.
Visionnez
30/04/2025
🛑 Can we please stop saying “Book your visit fast, this one won’t last”?
That line doesn’t help buyers understand the value of the home — it just creates panic.
Instead, let’s focus on what actually...
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🛑 Can we please stop saying “Book your visit fast, this one won’t last”? That line doesn’t help buyers understand the value of the home — it just creates panic. Instead, let’s focus on what actually makes people fall in love: ✅ The features ✅ The lifestyle ✅ The benefits of the neighbourhood Whether you’re a real estate agent or lender, the words you use matter — especially in 2025. I’m a real estate agent in Montreal helping raise the bar for the industry. 💬 What do YOU think we should be saying instead? Drop it in the comments!
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26/04/2025
⚠️ Thinking of putting all your savings into your down payment?
That move might seem smart — but it can leave you “house rich, cash poor.”
💸 Let’s say you’ve saved $60K.
✅ You could use it all…
❌ Bu...
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⚠️ Thinking of putting all your savings into your down payment? That move might seem smart — but it can leave you “house rich, cash poor.” 💸 Let’s say you’ve saved $60K. ✅ You could use it all… ❌ But then what happens when your AC breaks or your roof leaks? Keeping emergency cash is essential — even if that means putting less down. In many cases, your mortgage rate stays competitive, and you avoid crushing debt later. I’m a real estate agent in Montreal helping buyers make decisions that actually protect their future. Follow for more advice that saves you money and stress.
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23/04/2025
🎉 Did you know you could get thousands back after buying your first home in Quebec?
If you're a first-time buyer (or even an experienced one with kids!) in cities like Montreal, you might qualify for...
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🎉 Did you know you could get thousands back after buying your first home in Quebec? If you're a first-time buyer (or even an experienced one with kids!) in cities like Montreal, you might qualify for a partial or full refund on your welcome tax — that’s up to $7,000 back in your pocket. ✅ Buying a principal residence ✅ Child under 18 (or under 13 for experienced buyers) ✅ Property under $725,000 = You might qualify! 📍Each municipality has its own program, so don’t miss out on what you could be eligible for. 💬 DM me to learn more about the Montreal Home Purchase Assistance Program or the one in your area. . . . #LJRealties #LJAguinaga #WelcomeTaxRefund #MontrealRealEstate #FirstTimeBuyerTips #HomeBuyingQuebec #RealEstateMontreal #HomePurchaseHelp #HomeBuyerGrant #MontrealHomes #FirstHome #RealEstateTips #WelcomeTax #MontrealProgram #BuyerTips #QuebecRealEstate
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21/04/2025
📢 Buying Your First Property? Here’s Your Cheat Sheet! 🏡📊
Feeling stuck in analysis paralysis trying to choose the right property? 🤯 Let’s break it down! 👇
🏢 Condos → Lower maintenance & more afford...
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📢 Buying Your First Property? Here’s Your Cheat Sheet! 🏡📊 Feeling stuck in analysis paralysis trying to choose the right property? 🤯 Let’s break it down! 👇 🏢 Condos → Lower maintenance & more affordable. Perfect for busy people or those with limited capital. 🏘️ Multiplexes → My favourite! Live in one unit & let rental income cover your costs. A foolproof way to start investing! 🏡 Single-Family Homes → Less competition from investors & great for families who want more space & long-term appreciation. What was YOUR first property? Drop it in the comments! ⬇️🏠✨ . . . #LJAguinaga #LJRealties #FirstHome #RealEstateInvesting #HomeBuyingTips #HouseHacking #InvestmentProperty #FinancialFreedom #MontrealRealEstate #LJRealties
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19/04/2025
Thinking about buying your first property but not sure how to finance it? 🤔🏡 There are more options than you might think!
You can go with a conventional loan (20% down or more) or an insured mortgage ...
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Thinking about buying your first property but not sure how to finance it? 🤔🏡 There are more options than you might think! You can go with a conventional loan (20% down or more) or an insured mortgage (as low as 5% down). Your financing options also depend on your income and credit score—whether it's a big bank, a B lender, or even private financing for specific cases. 📌 PRO TIP: Get pre-approved before you start house hunting! It saves time, avoids disappointment, and helps you focus on the right properties. Got questions? Let’s talk! 💬
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16/04/2025
💰 Leverage can be your best friend—or your worst enemy. 💰
Used wisely, it can help you generate greater returns without using your own capital. But if you're not careful, you risk overextending yourse...
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💰 Leverage can be your best friend—or your worst enemy. 💰 Used wisely, it can help you generate greater returns without using your own capital. But if you're not careful, you risk overextending yourself when interest rates rise. 🚨 One of my favorite ways to leverage debt safely is by taking advantage of zero-interest credit card offers or balance transfers for 6-12 months. This creates an arbitrage opportunity where you can invest in index funds or high-interest savings accounts and earn a return without paying interest. 📈✨ ⚡ Smart leverage = smarter investing! ⚡ Have you used leverage to grow your investments? Drop a comment and let’s talk strategy! ⬇️ #LJRealties #LJAguinaga #SmartInvesting #Leverage #WealthBuilding #FinanceTips #PassiveIncome
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14/04/2025
If you're a millennial feeling like you “missed the boat” on real estate — this video is for you.
I hear it every year:
“I should’ve bought in 2015.”
“2020 was the perfect time.”
The truth? There’s ...
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If you're a millennial feeling like you “missed the boat” on real estate — this video is for you. I hear it every year: “I should’ve bought in 2015.” “2020 was the perfect time.” The truth? There’s always a reason to wait… and always someone who waited too long. Real estate isn’t about looking back — it’s about what ownership can do for your future. 💡 If you’re thinking about buying in Montreal, I’m here to help you plan smart, not react late. Let’s talk strategy.
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12/04/2025
🏡 Need to access cash from your home? Here are the 2 most popular ways homeowners are doing it in 2025:
1️⃣ HELOC (Home Equity Line of Credit) – a flexible second mortgage that works like a credit ca...
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🏡 Need to access cash from your home? Here are the 2 most popular ways homeowners are doing it in 2025: 1️⃣ HELOC (Home Equity Line of Credit) – a flexible second mortgage that works like a credit card. 2️⃣ Cash-Out Refinance – a brand new mortgage with one payment and a lump sum of cash. Both options let you unlock the equity in your home — but each comes with different pros and cons. Whether you’re investing, renovating, or consolidating debt, understanding your options is key. I’m a Montreal real estate agent helping homeowners make smart moves with their properties. 💬 Want to know which one fits your goals? Let’s chat.
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09/04/2025
💰 “I make $120K a year.”
Sounds good, right? But let’s break it down.
After taxes and deductions, that’s really about $6,700/month.
And once you view your income in smaller timeframes — monthly, wee...
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💰 “I make $120K a year.” Sounds good, right? But let’s break it down. After taxes and deductions, that’s really about $6,700/month. And once you view your income in smaller timeframes — monthly, weekly — you start making smarter financial decisions. Rich people don’t track their money once a year… they check it constantly. 🧠 Want to build real wealth in 2025? Start thinking differently about your income. I’m a real estate agent in Montreal who teaches smart finance habits alongside property strategies. 📲 Follow me for more tips to grow your wealth.
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06/04/2025
🏡 Thinking of buying a home?
Before you make the biggest purchase of your life, learn the 3 most common mistakes that could cost you thousands.
🚫 Not getting pre-approved
💔 Falling in love before che...
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🏡 Thinking of buying a home? Before you make the biggest purchase of your life, learn the 3 most common mistakes that could cost you thousands. 🚫 Not getting pre-approved 💔 Falling in love before checking your budget 💸 Forgetting about closing costs These mistakes are way too common — and totally avoidable. I’m a real estate agent in Montreal helping first-time buyers navigate the market with confidence. Ready to buy smart?
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