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PODCAST

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.

leisure home & garden

All Episodes

32:57

Where is the Canadian housing market headed in 2026?

Under One Roof ·

2026/01/11

This week on Under One Roof MTL, Fred, Martin, LJ and Robyn try to predict what will happen with interest rates and the Canadian economy in 2026. We also explain what condo fees are, where that money goes, and why condo owners sometimes end up with 4 and 5 figure special assessments. We're also joined by Robert Hogue, assistant chief economist at RBC, to break down where Canada's economy is headed in 2026, and what this means for the national housing markets.

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40:53

2025 Year in Review

Under One Roof ·

2025/12/15

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!

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36:24

Downsizing and preparing for the future

Under One Roof ·

2025/12/07

This week on Under One Roof, LJ, Fred and Martin try to predict what the Bank of Canada will do with its final interested rate announcement this week. Plus, why are so many first-time homebuyers in the dark when it comes to closing costs? We also discuss downsizing, and how to know if it's the right move for you. And, we're joined by best-selling author Jessica Moorhouse, to talk about the financial future of young Canadians, and how they can best set themselves up for success.

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35:25

Can you use crypto as a down payment on a house?

Under One Roof ·

2025/11/30

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.

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37:36

Advice for couples who are choosing to live together

Under One Roof ·

2025/11/24

This week on Under One Roof, Fred and Martin play couples counsellors, offering some solid advice for couples who are thinking about moving in together. LJ also breaks down what it looks like when a homebuyer submits a formal offer to purchase, and how they can protect themselves with conditions.

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36:07

Could 50 year mortgages become available in Canada?

Under One Roof ·

2025/11/16

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

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32:48

Renew, refinance, or reverse mortgage - which is best...

Under One Roof ·

2025/11/09

This week on Under One Roof MTL, we're exploring all of the different options available to the nearly 50% of Canadians whose mortgages are coming up for renewal in the next year. Should you renew, refinance, or consider a reverse mortgage? We also look at the hottest neighbourhoods in Montreal real estate, and what makes these areas so hot right now. And, Pattie Lovett-Reid, chief financial commentator at Home Equity Bank joins us to talk about CHIP reverse mortgages and whether they could be the

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37:36

Curb appeal and credit mistakes

Under One Roof ·

2025/11/03

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

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36:23

The Buyer's Journey, from Pre-Approval to Purchase

Under One Roof ·

2025/10/27

This week on Under One Roof MTL, LJ is back, and he's taking us along for the ride on the buyer's journey. Then, Fred and Martin break down the ABCs of pre-approvals. By the end of this episode, you'll know exactly what to expect, either as a first-time homebuyer, or as someone who is looking to get back into real estate investing for the first time in a long time.

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37:40

Mortgage 101: Everything You Need to Know About...

Under One Roof ·

2025/10/19

This week on Under One Roof, Fred and Martin are taking us to SCHOOL, to discuss housing uncertainty in Canada, answering YOUR mortgage questions, and explaining the stress test and pre-approval process.

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36:35

Ask the Notary: leaving your estate to you children

Under One Roof ·

2025/10/12

This week on Under One Roof MTL, Robyn, Fred and Martin are joined by Montreal notary Anna Kamateros, to discuss a story out of Ontario that left a woman with a $660,000 tax bill. Could this situation have been avoided, and how can you make sure that you're setting up your kids for success with your will? Plus, we talk about the changing face of first-time home buyers, as well as why so many Canadians are defaulting on their mortgage payments.

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39:38

Wild property management stories and reverse mortgages

Under One Roof ·

2025/10/07

This week on Under One Roof MTL, Robyn, Fred, and Martin are once again joined by Thierry Bourbonnais from the Plex DR, to find out some of his craziest property management stories. We also discuss reverse mortgages and the pros and cons of using this product to improve your cash flow.

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38:31

How property managers are using technology to better...

Under One Roof ·

2025/09/29

This week on Under One Roof, Fred, Martin and Robyn are joined by special guest Thierry Bourbonnais from the Plex DR to talk about property management, and how hiring a property manager can make life easier for landlords. They also discuss refinancing, and how homeowners can leverage the equity in their homes to consolidate debts, make home repairs, or even help their adult children buy their first home.

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31:39

Why the latest interest rate cut isn't necessarily a...

Under One Roof ·

2025/09/21

This week on Under One Roof, LJ, Fred and Martin are talking about the Bank of Canada's most recent decision to slash interest rates by 25 basis points, and what this says about the current state of the Canadian economy. They also tackle the Statistics Canada report that finds more and more Canadians are falling into debt, how long consumer proposals remain on your credit report, which investment property offers the best return on investment, and whether you should go with a fixed or variable rate

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29:16

Will the Bank of Canada continue to cut interest...

Under One Roof ·

2025/09/14

In our first show back from the summer break, Robyn, Fred, Martin and LJ try to guess what the Bank of Canada will do with its remaining three interest rate announcements, based on the current states of the economy, the real estate market, employment, and more. Plus, we outline new rules for co-ownership in the province of Quebec, and how these new regulations impact condo owners, specifically. And, we chat about bidding wars, and the sticker shock that 60% of mortgage holders in Canada will be

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32:45

Making lump sum payments to get ahead

Under One Roof ·

2025/06/15

This week on Under One Roof MTL, LJ has a Montreal real estate market update for you. Plus, Fred and Martin will look at different strategies for paying down your mortgage and getting ahead. And, LJ walks us through the home buying process, from start to finish.

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34:50

Staying on top of your credit report

Under One Roof ·

2025/06/08

This week on Under One Roof MTL, we're tackling interest rates, and a new survey that finds many Canadians are prioritizing travel over home ownership. Plus, why it's important to stay on top of and understand what's in your credit report, and a breakdown of the real estate broker rules in Quebec.

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35:41

Reverse mortgages and moving day in Quebec

Under One Roof ·

2025/06/02

This week on Under One Roof MTL, we're talking about reverse mortgages. How they work, who benefits most, etc. Plus, we're just a month away from moving day in Quebec. What do you need to know, both as a landlord and a tenant, to be ready?

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34:16

Thinking about buying a cottage? Listen to this first!

Under One Roof ·

2025/05/25

This week on Under One Roof MTL, we're tackling the latest inflation numbers and what this could mean for the Bank of Canada's next interest rate announcement. We're also discussing the new federal housing minister's approach to the housing affordability crisis, and have some concrete tips for purchasing a cottage or vacation property. And, if you're interested in investing in a duplex, triplex, or multiplex, you won't want to miss LJ's advice!

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32:02

Small renovations with the biggest return on investment

Under One Roof ·

2025/05/18

This week on Under One Roof MTL, we're looking at the state of Montreal rental market, as well as what fixed rate mortgages are looking like right now. We also tackle why the rate isn't the most important part of your mortgage, AND home renovations you can make that actually add value to your property.

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