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.
Choosing between a newly built home and an existing resale property involves more than personal taste. The two paths come with different costs, timelines, and financing…
Bankruptcy or a consumer proposal can feel like it closes the door on homeownership, but that is rarely the full picture. Many Canadians go on to…
Most Canadian high schools still don't teach the basics of credit, taxes, or compound interest in any real depth. That gap often means young adults figure…
A kitchen refresh or basement finish can transform how a home feels, but costs have a way of climbing past what homeowners first expect. Building a…
A furnace that quits in January or a sump pump that fails during spring thaw rarely gives any warning. For many Canadian homeowners, the question isn't…
If you've started researching how much mortgage you might qualify for, you've likely come across the term 'stress test.' It's a federal requirement that affects nearly…
Owning a rental property in Canada comes with a mix of tax obligations and potential deductions that can meaningfully affect your bottom line. Understanding how the…
Federal restrictions on non-resident home buying have reshaped parts of the Canadian real estate conversation since they first came into effect. Whether you're a non-resident curious…
A furnace that quits in January or a roof that starts leaking during spring melt rarely gives any warning. For Canadian homeowners, unexpected repairs are less…
If your down payment is less than 20% of a home's purchase price, chances are you'll encounter mortgage default insurance. It's a cost that catches many…