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.
Your credit score can affect everything from mortgage approval to the interest rate a lender offers you. The good news is that credit scores are not…
Moving to Canada involves more than packing boxes and booking flights. The first year often brings costs that catch newcomers off guard, from healthcare waiting periods…
Getting a home ready to list involves a lot of decisions about where to spend and where to hold back. Some upgrades genuinely help a property…
Most Canadian homeowners assume mortgage interest is simply a cost of owning property, unlike in the United States where it can be deducted. The Smith Manoeuvre…
A dollar saved today may not stretch as far a few years from now, even if the number in your account stays the same. Inflation works…
More Canadian homeowners are exploring laneway homes and garden suites as a way to house family members, generate rental income, or make better use of existing…
Every year, homeowners across Canada open their property assessment notice and wonder why the number looks nothing like what similar homes are selling for down the…
Being your own boss can make mortgage qualification feel more complicated than it needs to be. Lenders assess self-employed applicants differently than salaried employees, but that…
Buying an income property can be a solid way to build long-term wealth, but the margin for error is often thinner than new investors expect. Small…
Land transfer tax can add thousands of dollars to your closing costs, and the amount you owe depends heavily on where you buy. Rates, exemptions, and…