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.
Most people who abandon a budget do not fail because the plan was wrong. They fail because the tracking method was too tedious to maintain past…
When your mortgage term is up, your lender will typically send a renewal offer a few months ahead of your maturity date. Many homeowners simply sign…
Making your home more energy efficient can lower utility bills and improve comfort, and in some cases it may also open the door to rebates through…
Carrying balances across several credit cards, a line of credit, and maybe a car loan can make it hard to see where your money is actually…
The gap between housing prices in Canada's major metros and smaller cities has pushed many people to reconsider where they live, not just how they live.…
When the Bank of Canada raises its policy rate, the effects don't stop at the news headlines. Depending on the type of mortgage you hold, a…
Every year, homeowners across Canada open their property assessment notice and either breathe a sigh of relief or wonder if their local assessment authority has lost…
Buying a rental property involves a different financing path than purchasing a home to live in. Lenders view investment properties as higher risk, which affects down…
Most household budgets fall apart within a few months, not because people lack discipline, but because the budget was never built around how they actually live.…
Home insurance used to be priced mostly on the age of your house and where you lived in relation to a fire hall. These days, insurers…