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.
Registered Retirement Savings Plans (RRSPs) are a great way to save for retirement while enjoying tax benefits. However, there’s a limit to how much you can…
A consumer proposal can provide relief from overwhelming debt, but it also impacts your financial situation—including your ability to get a mortgage. If you’re currently in…
For many homebuyers and homeowners, securing a mortgage with a traditional A lender—such as a major bank—can be challenging. Whether it’s due to credit issues, self-employment…
For many Canadians, securing a mortgage through a traditional lender like a bank or credit union isn’t always an option. Whether it’s due to strict lending…
Refinancing your mortgage should be a smooth and stress-free process, whether you prefer to do everything online or meet in person. At The Local Broker, we…
Gone are the days when refinancing your mortgage meant multiple in-person meetings, endless paperwork, and long waits at the bank. With The Local Broker, refinancing your…
When your mortgage term ends, you have an important decision to make—renew, refinance, or pay off the remaining balance. Many homeowners don’t think about their mortgage…
A Seller Take-Back Mortgage (also known as a Vendor Take-Back Mortgage or VTB) is an alternative financing option where the seller of a property agrees to…
If you’re considering buying a condo, you may be wondering how condo fees are calculated and whether they are based on a percentage of the property’s…
Buying a new home before selling your current one can be a tricky financial situation. Many homeowners find themselves in a position where they own two…