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.
Choosing between a fixed and variable rate mortgage is one of the first major decisions Canadian homebuyers face, and there's no single right answer for everyone.…
Most Canadian buyers plan carefully around their mortgage payment, but that number tells only part of the story. Owning a home comes with a rhythm of…
Owning a rental property can generate steady income, but it also comes with tax reporting responsibilities that catch many first-time landlords off guard. Understanding how the…
When you buy a home in Canada, you're not just purchasing the physical structure and land, you're also acquiring legal title to the property. Title insurance…
If you've started shopping for a mortgage, you've likely heard the term stress test come up more than once. It's a federal requirement that affects nearly…
Property taxes and home insurance are two costs that catch a lot of new homeowners off guard, mainly because they are easy to overlook when you…
Real estate has long appealed to Canadian investors, but buying a physical property is not the only way in. Real estate investment trusts, or REITs, offer…
More Canadian households are bringing grandparents, adult children, and sometimes extended family under one roof, whether by choice or necessity. Rising housing costs, caregiving needs, and…
When a traditional lender turns down a mortgage application, some Canadians turn to private lending as an alternative path to financing. Private mortgages can be a…
Money is one of the most common sources of tension between partners, often because couples never sit down to talk about what they actually want financially.…