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.
Paying off a mortgage or moving it to a new lender often comes with fees that catch homeowners off guard. Discharge and transfer costs are small…
Owning a home in Canada comes with more than a mortgage payment. Furnaces fail, roofs age, and driveways crack, often at inconvenient times. Understanding the typical…
With limited dollars to save each month, many Canadians face the question of whether to put money into a TFSA, an RRSP, or some combination of…
Most lenders require proof of home insurance before they will fund a mortgage, but the fine print of a policy often gets overlooked once the paperwork…
Shopping for a mortgage often means comparing rates, terms, and lender requirements that can be hard to decode on your own. A mortgage broker acts as…
Owning a home in Canada means dealing with four distinct seasons, each one putting its own wear and tear on your property. Setting aside a maintenance…
Buying a small multi-unit property is one way some Canadians approach real estate investing, whether to generate rental income, offset their own housing costs, or build…
Swapping an old furnace or adding insulation can lower your energy bills, but figuring out which upgrades actually qualify for a rebate is where many homeowners…
Separation and divorce bring enough emotional weight without adding a mortgage into the mix. Yet for most Canadian couples, the family home is the largest shared…
Condo fees can be one of the more confusing parts of buying into a condominium in Canada, especially since the amount can vary widely between buildings…