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 idea of walking away from a home is one of the most difficult financial decisions a person can face. For many Canadians, a home is…
Condo living looks effortless from the outside. A sleek lobby, underground parking, maybe a rooftop patio, and someone else shovels the snow for you. What could…
For many homeowners, a mortgage renewal feels like a routine step. Your term ends, the lender sends a renewal letter, and you sign. The problem is…
For many Canadians, choosing to work with a mortgage broker instead of a bank opens the door to more options, flexibility, and personalized guidance. A good…
Refinancing your mortgage can be a powerful financial tool when used at the right time and for the right reasons. Whether you’re hoping to lower your…
When most people think about getting a mortgage, they focus on things like income, credit score, and down payment. But there’s another side to mortgage approval…
When your mortgage renewal comes up, it can feel tempting to just sign the first offer your bank sends. It’s quick, it’s easy, and it saves…
When you apply for a mortgage, one of the first things a lender looks at is your credit score. It is a snapshot of your financial…
It’s not uncommon for Canadians to buy a condo with the idea of renting it out — sometimes as an investment, sometimes with help from family,…
Buying a condo in Toronto is one of the most exciting — and sometimes overwhelming — financial decisions you can make. Toronto’s skyline has become synonymous…