Under One Roof

If your home has been sitting on the market with no offers, you're not alone… and you're not out of options. This week on Under One Roof MTL, we break down what sellers should do when a listing isn't getting traction, including how to adjust your price strategically without losing leverage. Plus, we tackle some of the most common mortgage myths that continue to confuse buyers and homeowners in 2026. In This Episode: What's Happening in the Market Right Now Inflation rises to 2.4%, driven in part by higher gas prices Housing affordability and job security are now top concerns for Canadians Many homeowners are preparing for mortgage renewals at higher rates Real Estate: What to Do If Your Home Isn't Selling How to tell if it's a pricing issue or a presentation problem The psychology behind price drops and buyer perception Whether to make one major price adjustment or multiple smaller ones When to consider pulling and re-listing a property How to reposition your home to attract new interest Mortgages: Dispelling Common Mortgage Myths "My bank will automatically give me the best renewal offer" "If you're self-employed, you can't get a mortgage" "A pre-approval guarantees financing" "Mortgage brokers only help if the bank says no" "Paying off debt always improves your approval" Property of the Week 📍 Griffintown, Montreal Two-bedroom condo with private balcony, in-unit laundry, and low condo fees ($173/month), listed at $475,000. Walk to the metro, the Lachine Canal, Atwater Market, and some of Montreal's best restaurants and cafés. Trivia Question of the Week What is the name of the tax you pay when you purchase a property in Quebec? Answer: Welcome Tax (land transfer tax), now reimbursable for some first-time homebuyers. Get in Touch: LJ Aguinaga – Real Estate 📞 514-500-4040 🌐 LJ Realties 📱 @ljaguinaga / @ljrealties Property Management (Plex Dr) 📞 514-709-6397 🌐 Plex Dr Fred & Martin – Mortgage Experts 🌐 FredAndMartin 📧 underoneroofmtl@gmail.com

This week on Under One Roof, we're taking a look at the factors that are causing fixed rates to increase right now. Plus, prices are dropping in some of Canada's most expensive cities... but that likely won't help first-time buyers get into the market. And, everything YOU need to know about down payments.

This week on Under One Roof, we're taking a look at the bond yields market, and how this is impacting fixed rate mortgages. Plus, the TAL ruled this week that it's a Charter violation to include "no pet" clauses in residential leases. What does this mean for tenants moving forward? LJ also has some advice for homeowners who are planning to sell their home in the next few months, so that they can showcase their home without losing their minds. And, Fred and Martin have some reverse mortgage advice for Canadians retirees.

This week on Under One Roof, we're taking a look at the latest real estate market numbers, and trying to predict what the Bank of Canada might do with its next interest rate announcement. LJ goes over whether seasonality matters in real estate, and highlights the importance of working with a realtor who is dedicated to selling your property. And, Fred talks about why 5% might be the perfect amount to put down on your first home.

This week on Under One Roof MTL, we're talking about housing affordability, how to make your offer stand out, as well as protecting yourself as a homeowner in the event of a divorce or separation.

This week on Under One Roof, we're going over the January 2026 real estate market numbers for Montreal, so that buyers and sellers know what the current trends are, as well as what to expect in the coming months. We also look at what renovations offer the biggest bang for your buck, as well as what to do if the bank turns you down for a mortgage.

This week on Under One Roof MTL, Robyn, Fred and LJ react to the Bank of Canada's first of eight interest rate announcements. Was staying the course the right move? And what should Canadians expect from the rest of 2026? Plus, LJ breaks down the red flags you should be on the lookout for when trying to purchase an older property in Montreal, from old wiring to asbestos issues. And, Martin runs down all of the documents that you need to get pre-approved for a mortgage.

This week on Under One Roof MTL, LJ runs down the Q4 Montreal real estate market numbers for us, analyzing what they mean for both buyers and sellers. We also discuss the fact that 60% of Canadian homeowners will need to renew their mortgage in 2026, and what they can do to prepare. Plus, if you've ever thought about buying pre-construction, you're going to want to hear what LJ has to say about the pros and cons that come with buying a home before it's been built. And, Fred and Martin have some advice for self-employed individuals who are trying to get or renew a mortgage.

This week on Under One Roof, we're taking a look back at some of the biggest mortgage and real estate stories of 2025. From changes to condo and mortgage rules, to shifts in the Montreal real estate market, LJ, Fred and Martin break everything down for you, and tie it up with a neat little bow, just in time for the holidays!

This week on Under One Roof MTL, LJ, Fred, Martin and Robyn discuss the average age of first time homebuyers creeping up past 40, as well as how Montreal's rental market has shifted recently. Plus, is flipping or long-term holding the better investment strategy in real estate right now? LJ has some advice for you on that front. And, Fred and Martin explain how you can use cryptocurrency (like Bitcoin) as a down payment on a home.

This week on Under One Roof, we're discussing 50 year mortgages, and just how much interest a homeowner would pay over the lifetime of a 50 year loan. And, could this product eventually become available in Canada? LJ also takes a look at the Montreal real estate market, reviewing the October numbers that just came out. And, he has some advice for staging and showcasing your property so that it SELLS. Fred and Martin share some information that lenders don't tell you, AND we've got a ton of additional info about notaries that you don't want to miss!

This week on Under One Roof MTL, LJ is talking CURB APPEAL, and how maintaining the exterior or your home can help increase its resale value (and just make it a more pleasant place to live!). Plus, Fred and Martin explain how credit reports work, and what you need to be mindful of in the 60-90 days before a mortgage application to make sure you get approved and get the best possible interest rate. Speaking of interest rates, how's everyone feeling about the latest Bank of Canada decision to slash rates by .25%?