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. Through The Local Broker, I connect Canadians with independent, licensed mortgage professionals across Ontario 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.
If your down payment is less than 20% of a home's purchase price, chances are you'll encounter mortgage default insurance. It's a cost that catches many…
Most Canadians finish school without ever taking a course on how money actually works in the real world. For young adults starting their first job, signing…
Housing conditions in Canada rarely move in lockstep from coast to coast. What is happening in Calgary's resale market may look nothing like conditions in Halifax…
Renovation budgets have a way of growing the moment demolition starts. Knowing what to plan for ahead of time, and how to build in room for…
Life circumstances change, and sometimes that means your mortgage no longer fits — whether you're selling to relocate, refinancing to tap into equity, or trying to…
Once you've decided to sell, it's tempting to start planning bigger renovations in hopes of a higher sale price. In many cases, though, smaller and less…
Land transfer tax is one of the larger closing costs many homebuyers overlook until it shows up on their final statement of adjustments. The rules, rates,…
Canadians saving for the future often face a familiar dilemma: put money into a TFSA, an RRSP, or split it between both. The right answer depends…
When you're shopping for a mortgage, one of the first decisions is who to work with: your existing bank, or an independent mortgage broker. Both can…
Making your home more energy-efficient can lower utility bills and improve comfort, but figuring out which upgrades actually qualify for rebate dollars isn't always straightforward. Programs…