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.
It’s one of the most common — and confusing — questions homeowners face when a parent passes away: If I already own my own home and…
There’s something about Wasaga Beach that captures the best of Ontario living — open skies, friendly faces, and that unmistakable feeling of being close to the…
Hamilton has always had a way of surprising people. Once known primarily as a steel town, it has evolved into one of Ontario’s most vibrant and…
Kitchener isn’t just one of Ontario’s fastest-growing cities — it’s a community built on balance. It’s where innovation meets tradition, where the energy of a thriving…
After several years of uncertainty, the Canadian mortgage landscape has started to feel a little more predictable. Interest rates — which rose sharply during the Bank…
For many homeowners, the home equity line of credit (HELOC) is a powerful financial tool. It allows you to borrow against the equity in your home,…
Managing money in Canada can be complicated, and even the most financially savvy individuals are bound to make mistakes along the way. From missing out on…
For many Canadians, saving up a 20% down payment for a home can feel overwhelming. That is where CMHC mortgage insurance can make the dream of…
Falling behind on mortgage payments is one of the most stressful financial situations a homeowner can face. If you are worried that you might not be…
For many Canadians, an RRSP (Registered Retirement Savings Plan) is one of the most valuable tools for building long-term financial security. But with rising mortgage payments…