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.
If your down payment is less than 20% of the purchase price, chances are you will need mortgage default insurance to close the deal. This insurance…
A home inspection is one of the few chances you get to see past the fresh paint and staging before committing to a purchase. Understanding what…
Real estate remains a popular way for Canadians to build wealth, but there is more than one way to gain exposure to the sector. Some investors…
With grocery bills, utility costs, and everyday expenses fluctuating throughout the year, some Canadian households are looking for a budgeting method that accounts for every dollar.…
Paying off a mortgage or moving it to a new lender feels like a finish line, but there are often a few more steps and costs…
Most homeowners in Canada buy a policy once, glance at the premium, and rarely think about it again until something goes wrong. Understanding the different parts…
Owning a rental property can generate steady income, but it also comes with tax obligations that catch many landlords off guard. Understanding what the Canada Revenue…
When Canadians calculate what they can afford to buy, the mortgage payment often takes centre stage. But the true monthly cost of owning a home stretches…
Closing out a mortgage or moving it to a new lender sounds simple enough, but there are administrative costs attached to both processes that catch many…
Swapping an aging furnace or adding insulation can lower energy bills, but certain upgrades may also open the door to rebates through federal, provincial, or utility-run…