Under One Roof

Under One Roof, hosted by Robyn Flynn, featuring LJ Aguinaga (LJ Realties), Martin Spalding and Fred Pichette (Fred et Martin Hypothèques), expertly guides listeners through the intricate maze of home buying and financing, while revealing key factors that significantly impact a home's value. Whether you're a first-time homebuyer or a seasoned investor, this is the show for you.

Managing your debt to get the best possible mortgage

This week on Under One Roof MTL, we're recapping the results of Canada's federal election and the impact that might have on the Bank of Canada's interest rate announcements moving forward. We also break down the difference between TDS and GDS ratios, AND outline why investing in real estate is a solid retirement strategy.

05-05
33:06

Everything you need to know about property management

This week on Under One Roof MTL, we're joined in studio by Plex DR COO Thierry Bourbonnais, to discuss everything you ever wanted to know about property management. 

04-28
34:35

What will the Bank of Canada do this week?

This week on Under One Roof MTL, we predict what the Bank of Canada will do with interest rates this week. Plus, a new report shows that condo sales are way up in Quebec. What's the situation in Montreal? And, everything you need to know about alternative lenders.

04-14
35:23

Are strawberry box houses about to make a comeback in Canada?

This week on Under One Roof, we're looking at what the federal political parties in terms of housing, including Mark Carney's ambitious promise to build 500,000 homes a year!   We also tackle mortgage penalties, and how to avoid them, as well as understanding all of the hidden costs that come with buying a home.

04-06
32:43

How to get top dollar for your property, without sitting on the market for too long

This week on Under One Roof, we run down what each federal party is promising on housing. We also go over the importance of credit scores, and how you can make sure your credit report is mortgage-ready. And, LJ has some tips for getting top dollar for your property when you sell, without sitting on the market for too long.

03-30
33:55

How to be a good landlord (and actually make money doing it!)

This week on Under One Roof, we discuss inflation ticking up to 2.6% for the month of February, and how this could impact interest rates and the real estate market.  We also give advice on how to shop around for a mortgage like a pro, and how to be a great landlord who also makes some money, too.

03-24
34:42

The pros and cons of refinancing your mortgage

This week on Under One Roof, we tackle the Bank of Canada's latest interest rate cut, and try to predict what they might do with their next few announcements.  We also discuss refinancining your mortgage at length, specifically to pay down bad debts and get your finances back on track.  And, we look at whether short or long-term rentals are the better investment for property owners. 

03-20
35:45

Different lending and investment options in Quebec

This week on Under One Roof, we talk about the economic uncertainty that Canada is facing, in light of tariffs from the US. We also discuss the Bank of Canada's upcoming interest rate announcement, different lending options available to Quebec borrowers, and give you some KEY insights and advice on purchasing investment properties. 

03-09
33:24

Tips and tricks for saving up for your down payment

This week on Under One Roof, we explain the difference between a pre-approval and a pre-qualification. We also offer tips and tricks for first-time homebuyers to save up for their down payment, leveraging all of the programs and accounts available to them.

03-02
33:53

Could a reverse mortgage be right for you?

This week on Under One Roof, we talk about reverse mortgages, and whether this could the right option for homeowners who are either looking to fund their retirement, pay down some debts, increase their cash flow, or even help their adult children to pay for college or a down payment on a house of their own.

02-25
36:30

Montreal home sales are bucking the national trend

This week on Under One Roof MTL, LJ, Fred, Martin and Robyn talk about the CMHC's latest report, as well as January's home sale numbers for the month of January. We also walk you through the homebuying process, from putting in an offer, to getting your keys.

02-16
32:52

What are the questions first-time homebuyers should be asking?

This week on Under One Roof MTL, we discuss interest rates, and the impact that the continued threat of tariffs from the United States could have on Canada's economy.  We also get into everything first-time homebuyers should know before they start looking for a house or condo. From the right questions to ask, to scheduling consultations with real estate and mortgage brokers, to repairing damaged credit, Fred, Martin and LJ have you covered!

02-09
35:48

What impact will Donald Trump's tariffs have on the Canadian economy?

This week on Under One Roof MTL, we discuss the 25% tariffs that Donald Trump levied against Canada over the weekend, and what sort of impact they might have on the Canadian economy, and interest rates.  We also discuss the Bank of Canada's most recent interest rate announcement, a 25 basis point cut, and predict what might happen with the rest of their announcements this year.    

02-03
36:46

What matters more: your interest rate, or your mortgage conditions?

This week on Under One Roof MTL, we discuss inflation dipping to 1.8% in December, and how this might impact the Bank of Canada's next interest rate announcement.  We also talk about whether your interest rate or your loan conditions are the most important part of your mortgage, as well as rising Montreal rents, and the luxury real estate market boom.

01-26
36:31

How to prepare for your upcoming mortgage renewal

This week on Under One Roof MTL, we offer advice for the 1.2 million Canadians whose mortgage comes up for renewal in 2025. What should you do to prepare, and how soon should you speak with a mortgage broker about your refinancing options? Plus, we take a look at the Q4 real estate market numbers for Montreal, and answer YOUR questions!

01-20
36:52

How will Donald Trump's annexation threats impact Canada's real estate market?

We're baaaack! Join LJ Aguinaga (LJ Realties), Martin Spalding (Fred and Martin Mortgages) and Robyn Flynn (Robyn Flynn Media) for our first episode of Under One Roof MTL for 2025.  This week, we try to predict what will happen with interest rates in 2025, as well as what we think home prices will do this year. And, how will the political uncertainty here in Canada and across the globe impact the Canadian real estate market... and yes, we do also discuss president-elect Donald Trump's threats to make Canada the 51st state. Could this actually happen!?

01-12
33:13

Mortgages and Real Estate: 2024 Year in Review

2024 was a busy year for mortgages and real estate. Homeowners saw decreasing interest rates, changes to the rules surrounding purchasing and selling homes. This week on Under One Roof MTL, we recap everything that happened in 2024, and look ahead to what we expect in 2025.

12-08
35:12

Special Edition: Home economics class is in session!

This week of Under One Roof MTL is a very special edition: home economics class is in session! Among the topics covered in this week's show: Household budget management - tips on allocating income, tracking spending, and using tools to stay financially organized. Credit and debt management - insights on responsible credit use and debt management to maintain a healthy financial standing - building good credit, avoiding high-interest debt, and borrowing wisely. Mortgages and homeownership - help individuals determine affordability, compare mortgage options, and plan for successful homeownership. Insurance - how insurance protects against unforeseen risks and financial setbacks. Paying taxes - income, municipal, and school taxes to ensure compliance, avoid penalties, and encourage better financial planning. Saving and investing - the importance of saving for financial security and investing to build long-term wealth.  

12-01
40:58

Will the GST break actually help Canadians?

This week on Under One Roof MTL, we discuss the federal government's planned two-month GST break for Canadians, as well as the $250 checks they'll be cutting in the new year. Plus, with inflation up, what do we expect the Bank of Canada to do with their final rate announcement for 2024? And, everything you need to know about refinancing your mortgage to consolidate your debts.

11-25
39:13

Could Canada be moving towards a mortgage war?

This week on Under One Roof MTL, we talk about the current mortgage landscape, and whether or not the big banks are headed for a mortgage war. Also, we go over the pros and cons of a 10-year fixed mortgage, and discuss what will happen to all of the vacant office space now that most people either work from home, or only go into the office a few days a week.

11-17
41:56

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