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. I work independently with banks, credit unions, and alternative lenders 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 you’re planning to buy a home in Canada, you may have heard about using your RRSP to help with the down payment. Most people know…
If you’re shopping for a mortgage in 2025, chances are you’ve been offered a 5-year fixed rate — it’s still the most common mortgage term in…
Refinancing your mortgage can save you money, free up cash flow, or help you reach other financial goals. But in 2025, with interest rates still settling…
When it comes to mortgages, refinancing, and honest advice, The Local Broker is proud to be based right here in Guelph, Ontario. We live and work…
When it comes to securing a mortgage, many Canadians still head straight to their bank. But what if there was someone who could do the legwork…
If you’re considering purchasing a home with a $500,000 mortgage, it’s essential to understand the income requirements to qualify. Lenders assess various factors to determine your…
If you’re thinking about buying a home or refinancing your current one, you’ve probably heard the term mortgage interest. But how does it actually work? And…
If you’ve ever searched for financial advice or spoken to your bank about borrowing money, you’ve probably heard the terms mortgage and loan used interchangeably. While…
Buying a home is one of the biggest financial steps most Canadians will take in their lifetime. Whether you’re a first-time buyer or getting back into…
For many Canadians, getting a mortgage—or refinancing an existing one—used to mean sitting in a bank branch, filling out forms, and waiting days for answers. But…