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.
The 50/30/20 rule has been a popular budgeting shortcut for years: 50% of income to needs, 30% to wants, and 20% to savings and debt repayment.…
Canada's foreign buyer restrictions have been part of the national housing conversation for several years now, and they continue to shape how certain properties are bought…
When you need financing for a home, you generally have two paths: walk into your bank or work with an independent mortgage broker. Both can get…
If you are considering buying a property to rent out on platforms like Airbnb or Vrbo, the municipal bylaws where you buy could matter as much…
Your credit report contains far more detail than just a three-digit score. Learning to read the full document can help you catch errors, understand how lenders…
Most people know they should track their spending, but the tracking part often falls apart within a few weeks. The trick isn't finding the perfect app…
Life doesn't always follow the schedule of a five-year mortgage term. Whether it's a job relocation, a marriage breakdown, or simply spotting a much lower rate,…
More Canadian households are bringing together grandparents, parents, and adult children under one roof, whether by choice or necessity. Rising housing costs, caregiving needs, and cultural…
Every year, homeowners across Canada receive a property assessment notice and assume it reflects what their home is actually worth. In reality, these two figures often…
Canadian households often feel their budgets stretch and shrink with the seasons, from higher heating bills in January to backyard projects in July. Building a budget…