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.
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…
Understanding how mortgage interest is calculated can help you make informed decisions about your home financing. Whether you’re planning to buy a new home, refinance your…
With economic uncertainty on the rise, many Canadians are re-evaluating their financial strategies. One question that often comes up is whether it makes sense to withdraw…
When you have extra cash on hand, one of the most significant financial decisions you may face is whether to prepay your mortgage or invest the…
For many homebuyers, purchasing a condo can be an attractive alternative to buying a traditional house. Condos often come with appealing amenities, lower maintenance responsibilities, and…
In Canada, creative financing options can be key to making real estate deals happen—especially in a challenging market. One such option is the Vendor Take Back…
Buying and selling a home can be an exciting yet stressful process, especially when the timing doesn’t align perfectly. What happens if you find your dream…
A wave of mortgage renewals is on the horizon for Canadian homeowners in 2025. At least 85 per cent of existing home loans were contracted when…