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 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…
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…