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.
Homeowner insurance is one of those things many buyers arrange quickly just before closing, without fully understanding what they are paying for. Taking time to understand…
Small multi-unit properties have become a popular entry point for Canadians looking to build rental income and equity at the same time. Buying a duplex, triplex,…
Home insurance premiums are increasingly tied to where you live and what climate risks that location carries. From flood-prone areas in Ontario and Quebec to wildfire…
When your mortgage comes up for renewal, your current lender isn't the only option on the table. Switching to a new lender could open the door…
Saving for a down payment tends to get most of the attention when planning a home purchase, but the costs that come due at closing can…
Selling a property for more than you paid can trigger a tax bill from the Canada Revenue Agency, but the rules depend heavily on how the…
Buying your first home involves far more than saving up for a down payment. Between one-time closing costs, ongoing monthly expenses, and the unexpected costs of…
Your credit score plays a meaningful role in the mortgage rate a lender may offer you, alongside factors like your income, debt load, and down payment.…
Homeowners across Canada are increasingly looking at energy-efficient upgrades as a way to lower utility bills and reduce their home's environmental footprint. A number of federal,…
Choosing between a newly built home and an established resale property involves more than personal taste. The two paths come with different pricing structures, timelines, and…