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.
When applying for a mortgage in Canada—especially with a down payment under 20%—you’ll likely encounter terms like CMHC, TDS, and debt service ratios. They’re more than…
In a competitive housing market, it can be tempting to skip the home inspection—especially when sellers are entertaining multiple offers. But no matter how perfect a…
Thinking about buying a building with both a business and a place to live? Whether it’s a storefront with an apartment above or a work-live space…
Thinking about a quiet cottage by the lake or a cozy cabin to escape the city? A vacation or secondary home can be a rewarding investment—and…
When applying for a mortgage, one of the first questions a lender will ask is simple:“Will you be living in the home?” If the answer is…
Building your dream home from the ground up is exciting—but it’s also a completely different journey than buying a resale property. That includes how you finance…
Buying land sounds like a dream—whether it’s for your future home, a cottage, or an investment. But financing a land-only purchase is a little different than…
Let’s say you have a fixed-rate mortgage locked in around 6%, and your term isn’t up until late 2026. You’re paying more than $3,500 a month,…
A condo can be a great way to own property without the hassle of mowing the lawn or fixing the roof. But not every building is…
With shifting trade policies and new tariffs making headlines—especially those proposed or imposed by major trading partners like the U.S.—many Canadians are asking a key question…