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.
Property taxes fund essential municipal services like schools, roads, and emergency response, but the amount you pay can vary dramatically depending on where you live. Two…
Swapping out an old furnace or adding insulation can lower energy bills, but many homeowners do not realize certain upgrades may also come with rebates from…
Mortgage renewal notices tend to arrive quietly in the mail or inbox, but the decisions you make in response can affect your finances for years to…
Buying a rental property involves different financing rules than purchasing a home you plan to live in. Lenders view investment properties as higher risk, which affects…
Owning a home comes with an ongoing list of upkeep tasks that go well beyond the mortgage payment. Setting aside money each year for maintenance can…
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,…