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.
When applying for a mortgage, one of the first questions a lender will ask is simple:“Will you be living in the home?” If the answer is…
Building your dream home from the ground up is exciting—but it’s also a completely different journey than buying a resale property. That includes how you finance…
Buying land sounds like a dream—whether it’s for your future home, a cottage, or an investment. But financing a land-only purchase is a little different than…
Let’s say you have a fixed-rate mortgage locked in around 6%, and your term isn’t up until late 2026. You’re paying more than $3,500 a month,…
A condo can be a great way to own property without the hassle of mowing the lawn or fixing the roof. But not every building is…
With shifting trade policies and new tariffs making headlines—especially those proposed or imposed by major trading partners like the U.S.—many Canadians are asking a key question…
Every time you pick up a product and flip it over to check the label, something powerful happens. It’s not just about maple leaves, red-and-white packaging,…
Let’s face it—between rising costs, interest rate jitters, and economic uncertainty, saving money as a homeowner has never felt more important. But the good news? You…
Let’s be honest: not everyone has the time—or the energy—to scrub baseboards on a Tuesday night or deep-clean the oven “just because.” But keeping a tidy,…
The latest Labour Force Survey from Statistics Canada gives us a clear snapshot of the Canadian economy as of March 2025—and while the headlines mention a…