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.
If you’ve inherited an HVAC rental contract—maybe for a hot water heater, furnace, or AC unit—you’re not alone. Many Ontario homeowners feel stuck with sky-high fees,…
Clutter has a sneaky way of piling up—one day, your home feels organized, and the next, you’re swimming in things you don’t even use. If you’re…
When you’re caught up in the excitement of buying a new home, it’s easy to focus on square footage, paint colours, and whether your couch will…
When it comes time to secure a mortgage, most Canadians start with the familiar: a visit to one of the Big 5 banks. But traditional lenders…
Planning for retirement doesn’t have to be overwhelming—but it does start with one very important number: how much you spend in a year. Most Canadians thinking…
No one likes opening their utility bill and seeing a number that makes them do a double take. But cutting down on energy costs doesn’t mean…
Buying a home is one of the biggest financial decisions you’ll make, and one of the first choices you’ll face is whether to buy a newly…
Owning a home comes with a long list of responsibilities, and while most homeowners stay on top of the big tasks—mortgage payments, insurance, and major repairs—there…
The Canada Pension Plan (CPP) is a key part of retirement planning for Canadians. Whether you’re nearing retirement, currently contributing, or just starting to think about…
For many first-time homebuyers in Canada, coming up with a down payment is one of the biggest challenges to homeownership. If you have savings in a…