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 is one of the simplest budgeting frameworks out there, splitting after-tax income into needs, wants, and savings. For many Canadians, though, the original…
When you're preparing to sell, it's tempting to fix everything at once. But some upgrades tend to add more perceived value than others, and knowing where…
Choosing between a newly built home and an existing resale property involves more than just personal taste. The two paths come with different financing considerations, timelines,…
Choosing between a bank and a mortgage broker often comes down to more than just interest rates. The day-to-day experience of applying, communicating, and getting questions…
Growing a family often brings a temporary drop in household income, since Employment Insurance benefits typically replace only a portion of your regular pay. Planning ahead…
A dollar sitting in a chequing account today likely won't buy the same amount of groceries, gas, or rent a decade from now. Inflation is one…
Anyone considering a short-term rental as an investment strategy will quickly discover that the rules are not the same from one city to the next. What…
The amortization period you choose can shape your mortgage payments for decades, yet it is often overlooked in favour of comparing rates. Understanding how a 25-year…
Condo fees can vary wildly from one building to the next, even for units of similar size and location. Understanding the line items behind that monthly…
A dollar sitting in a savings account today likely won't stretch as far next year. Inflation is one of those quiet forces that reshapes your financial…