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.
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…
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…