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.
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…
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…