What Selling Your Home Actually Looks Like + Mortgage Paydown Strategy

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 LJ Aguinaga and his team apart in a competitive market

Mortgages: Paying Down Your Mortgage Faster — Smart Move or Trade-Off?

• Why many homeowners want to pay down their mortgage early
• The trade-off between prepaying your mortgage and maintaining liquidity
• How prepayment privileges actually work
• Increased scrutiny around borrowing and financial planning
• Practical advice for borrowers deciding where to allocate their money

Property of the Week
📍 Anjou, Montreal
7421 Avenue des Halles — 1-bedroom, move-in-ready condo on the 4th floor with hardwood floors, private balcony, in-unit laundry, indoor parking, and walk-in closet.
Listed at $299,000 — perfect for first-time buyers looking to stop renting.

Trivia Question of the Week
What is the word for the amount of money you've built up in your home as its value increases and your mortgage decreases?
Answer: Equity

Get in Touch:

LJ Aguinaga – Real Estate
📞 514-500-4040
🌐 LJ Realties
📱 Instagram & socials: @ljaguinaga / @ljrealties

Property Management (Plex Dr)
📞 514-709-6397
🌐 Plex Dr

Fred & Martin – Mortgage Experts
🌐 FredAndMartin

📧 underoneroofmtl@gmail.com