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.
School rarely covers how credit scores work, why a TFSA might make sense before an RRSP, or what actually happens when you carry a credit card…
Saving for a down payment often gets most of the attention, but closing costs can add thousands more to the price of buying a home. These…
Selling your current home and buying your next one rarely happens on the same day. When the closing dates do not line up, bridge financing can…
Most household budgets fail not because people lack discipline, but because the budget itself was never realistic to begin with. A budget that ignores how you…
Choosing between a newly built home and an existing property involves weighing several important factors beyond just price. Each option comes with distinct advantages, financing considerations,…
Home equity represents one of the most significant wealth-building opportunities for Canadian homeowners, yet many don't fully understand how it works or how to leverage it…
Breaking your mortgage before the end of your term comes with penalties that can cost thousands of dollars. However, certain situations may make paying these fees…
The Canada Child Benefit provides tax-free monthly payments to eligible families, helping offset the costs of raising children under 18. Understanding how the program works and…
Owning rental property in Canada can generate steady income and build long-term wealth, but it comes with specific tax obligations that every property investor should understand.…
Title insurance protects Canadian homeowners against financial losses from defects in property ownership that may not surface during standard legal searches. While not mandatory everywhere, this…