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.
Your credit score is one of several factors lenders review when assessing a mortgage application, and it can play a meaningful role in the rate you're…
The rent-versus-buy debate tends to get reduced to a single number: your monthly payment compared to your rent cheque. But that comparison misses a lot of…
Owning a rental property in Canada comes with tax considerations that go well beyond simply reporting rent as income. From depreciation rules to what happens when…
Most lenders require proof of home insurance before closing, but the policy you choose involves more than checking a box for your mortgage. The right coverage…
One of the biggest decisions Canadian homebuyers face is whether to lock in a fixed rate or go with a variable rate mortgage. Both options come…
Most household budgets die within a few months, not because the person tracking them lacks discipline, but because the budget itself was never realistic to begin…
Buying a property with two to four units can offer a middle ground between owning a single rental and managing a larger apartment building. These properties…
Deciding where to spend money before listing a home can feel like guesswork, especially with so many conflicting opinions about what buyers actually want. Some upgrades…
Timing a home purchase and sale perfectly is not always possible, even with careful planning. When your closing dates do not line up, bridge financing can…
For many Canadian families, the Canada Child Benefit represents one of the largest sources of monthly household income outside of employment. Understanding how it is calculated…