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.
With over a million Canadian mortgages coming up for renewal in 2025, many homeowners are bracing for increased monthly payments. The good news? There are smart…
There’s something about spring that just makes you want to open the windows, shake off the winter dust, and hit the reset button at home. Whether…
In 2024, the Ontario government passed new legislation aimed at strengthening consumer protection in the housing market. Among the changes introduced in the Homeowner Protection Act,…
If you’re putting less than 20% down on a home in Canada, you’ll need to navigate a few essential terms: CMHC insurance, GDS/TDS ratios, and debt…
The word “recession” can sound intimidating—especially when you’re thinking about buying a home or refinancing your mortgage. But economic downturns don’t automatically mean you should hit…
When you’re applying for a mortgage, especially through a broker or agent, you want to be sure you’re working with someone who is qualified, trustworthy, and…
Whether you’re looking to lower your monthly payments, tap into your home equity, or lock in a better rate—refinancing your mortgage can be a powerful financial…
If you’ve recently immigrated or relocated to Canada, homeownership might be closer than you think. The New to Canada Mortgage Program helps newcomers purchase a home…
When applying for a mortgage in Canada—especially with a down payment under 20%—you’ll likely encounter terms like CMHC, TDS, and debt service ratios. They’re more than…
In a competitive housing market, it can be tempting to skip the home inspection—especially when sellers are entertaining multiple offers. But no matter how perfect a…