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.
Most household budgets die within a few months, not because the person tracking them lacks discipline, but because the budget itself was never realistic to begin…
Buying a property with two to four units can offer a middle ground between owning a single rental and managing a larger apartment building. These properties…
Deciding where to spend money before listing a home can feel like guesswork, especially with so many conflicting opinions about what buyers actually want. Some upgrades…
Timing a home purchase and sale perfectly is not always possible, even with careful planning. When your closing dates do not line up, bridge financing can…
For many Canadian families, the Canada Child Benefit represents one of the largest sources of monthly household income outside of employment. Understanding how it is calculated…
The 50/30/20 rule is one of the simplest budgeting frameworks out there, splitting after-tax income into needs, wants, and savings. For many Canadians, though, the original…
When you're preparing to sell, it's tempting to fix everything at once. But some upgrades tend to add more perceived value than others, and knowing where…
Choosing between a newly built home and an existing resale property involves more than just personal taste. The two paths come with different financing considerations, timelines,…
Choosing between a bank and a mortgage broker often comes down to more than just interest rates. The day-to-day experience of applying, communicating, and getting questions…
Growing a family often brings a temporary drop in household income, since Employment Insurance benefits typically replace only a portion of your regular pay. Planning ahead…