Author: Jamie Dalgetty
Jamie Dalgetty
Through The Local Broker, I help Canadians better understand mortgages, home financing, and the decisions that come with buying, renewing, or refinancing a home. I work independently with banks, credit unions, and alternative lenders across Ontario, which allows me to focus on explaining options clearly and helping readers understand what is realistic for their situation. The goal of this site is education first. Many of the articles here are based on real questions and scenarios that come up when people are navigating major financial decisions around homeownership. I focus on clarity, transparency, and long-term thinking rather than quick approvals or one-size-fits-all solutions.
Staying safe online is no longer just about avoiding obvious scams or suspicious emails. Today’s digital threats are more subtle, more convincing, and more persistent, often…
Finding a lower mortgage rate is something almost every homeowner thinks about at some point. With housing costs high and budgets under pressure, the idea of…
For many Canadians, condo ownership has long been viewed as a more predictable and lower maintenance path into home ownership. While that can still be true…
Breaking a mortgage early is something many Canadian homeowners consider at some point, whether due to a move, a refinance, or changing financial circumstances. While it…
Choosing a mortgage is one of the most important financial decisions many Canadians will ever make. Whether you are buying your first home, renewing a mortgage,…
Buying or renewing a mortgage in the GTA can feel overwhelming, especially given how quickly the Greater Toronto Area housing market changes. Whether you are purchasing…
For many Canadians, the last few years have made financial decision making feel heavier than it used to. Housing costs are higher, groceries cost more, interest…
For many Canadians, the holidays are one of the most enjoyable times of the year. They are filled with family gatherings, festive meals, gift giving, and…
This situation comes up more often than people realize, especially in high cost housing markets where buying alone feels impossible. A family member needs help qualifying.…
During the peak of the Covid housing boom, from early 2020 through early 2022, thousands of Canadians purchased pre construction homes and condos at aggressive prices.…