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.
Rebuilding your finances after a bankruptcy or consumer proposal can feel like starting from zero, but it does not mean homeownership is permanently out of reach.…
The 50/30/20 rule is one of the most widely used budgeting frameworks, splitting after-tax income into needs, wants, and savings. For many Canadian households, though, the…
With home prices in Toronto and Vancouver remaining out of reach for many households, a growing number of Canadians are looking at smaller cities as a…
When you buy a home, you are also buying legal rights to the land it sits on. Title insurance exists to protect those rights against a…
When homeowners need to access equity beyond what their first mortgage or line of credit allows, second mortgages and HELOCs often come up as options. Both…
Buying an investment property can feel like a straightforward way to build long-term wealth, but the reality often involves more complexity than first-time investors expect. Small…
Property taxes fund essential municipal services like schools, roads, and emergency response, but the amount you pay can vary dramatically depending on where you live. Two…
Swapping out an old furnace or adding insulation can lower energy bills, but many homeowners do not realize certain upgrades may also come with rebates from…
Mortgage renewal notices tend to arrive quietly in the mail or inbox, but the decisions you make in response can affect your finances for years to…
Buying a rental property involves different financing rules than purchasing a home you plan to live in. Lenders view investment properties as higher risk, which affects…