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.
Mortgage insurance plays a crucial role in the Canadian housing market, allowing homebuyers with smaller down payments to qualify for a mortgage while protecting lenders from…
The Toronto housing market has been shifting, and many homeowners are noticing a change—houses are sitting on the market longer than they used to. Whether it’s…
Buying a home or planning your mortgage strategy requires more than just guesswork—it takes smart financial planning. That’s why we’ve put together a set of powerful…
Renewing a mortgage is an important opportunity to reassess your financial situation and potentially make changes that better align with your goals. If you’re considering a…
Getting approved for a higher mortgage amount can make the difference between buying your ideal home and feeling priced out of the market. Many borrowers are…
Buying a home is one of the most significant financial decisions you’ll make. For many, the process is both exciting and daunting, especially when faced with…
Credit scores are a crucial factor in determining your financial health, especially when applying for a mortgage. But if a score of 750 is treated the…
The introduction of tariffs can have ripple effects on various sectors of the economy, and the real estate market is no exception. While it’s difficult to…
Refinancing a mortgage is the process of replacing your existing home loan with a new one, typically to take advantage of better terms or adjust your…
When buying or refinancing a home, one critical step in the process is the property appraisal. This assessment determines the market value of the property, ensuring…