Mortgage Broker · Dominion Lending Centres Valley Financial - Nexgen Mortgages
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Don't just roll over with your bank.
A short conversation with Gary can help you compare your options on a purchase, renewal or refinance. Options compared across Canada's banks, credit unions and trust companies, tradeoffs in plain language, and no cost to you in most cases.*
Book a free 20 minute call
What happens after you send this
- 1 Gary replies personallyUsually within one business day. Not a call centre, not a bot.
- 2 A short call, if it helpsTwenty minutes on your situation and an honest read on whether I'm the right fit.
- 3 Options on paperRates, terms and penalties side by side, so the tradeoffs are visible.
Ask Gary anything. He replies personally.
Whatever stage you're at, there's a path that fits
Don't auto sign the bank's first offer
Renewal is the one moment you can switch lenders with no penalty. I compare your offer against the market before your term is up.
See your renewal options
Backed by Dominion Lending Centres.
Gary is a registered Submortgage Broker with Dominion Lending Centres Valley Financial - Nexgen Mortgages. Local advice in Victoria, and national lender access through the Dominion Lending Centres network.
20 years Dominion Lending Centres in Canada 4,200+ brokers nationwide 500+ offices, Canadian ownedDon't just roll over.
Give Gary a little time and he'll give you a lot of options. How much do you have today?
15 sec Call or text Gary250-508-8278 30 sec Message on WhatsAppReply within one business day, in most cases 60 sec Request a call backPick the day and time that suits you 5 min Apply onlineSecure DLC applicationHow it works
A short call, first
Twenty minutes. Your situation, your questions, and an honest read on whether Gary's the right fit.
Options on paper
Gary shops the market and puts the real numbers side by side: rates, terms, penalties.
Approval to keys
Paperwork, lender back and forth, closing day. Gary stays on it until the funds move.
Clients, in their own words
★★★★★ reviews Read all on Google Leave a review See Gary's Google reviews →Reviews shown live from Google and update automatically.
Tools and resources
More calculators, rates and guides are in the Tools menu above.Estimate your monthly payment
Estimated monthly25 year amortization
Estimate only: 25 year amortization, semiannual compounding, default insurance added under 20% down. Excludes property tax, home insurance and fees. Rates subject to change; all mortgages O.A.C.
Raised in Gordon Head. Eight years in banking. Now on your side.
Hi, I'm Gary Nagra. Born in Vancouver and raised in Victoria's Gordon Head community, I attended Lambrick Park Secondary before completing my Bachelor of Arts in Economics at the University of Victoria in 2014.
I spent eight years in banking as a Senior Financial Advisor, focused on mortgages and client service. That experience gave me a deep understanding of financing strategies and client needs.
Today, I'm a full time Mortgage Broker with Dominion Lending Centres Valley Financial - Nexgen Mortgages, based in Victoria and serving clients across British Columbia. I specialize in both residential and commercial mortgages, helping clients find tailored solutions that fit their goals.
Outside of work, I enjoy boxing, reading, and running outdoors.
Based in Langford Verified and listed BCFSA registry Google Business Profile NexGen team page Dominion Lending Centres Greater Victoria Chamber WestShore Chamber Think Local FirstCommon questions
Victoria, BC V9B 3V5 250-508-8278 gary@nexgenmortgages.ca Book a free call Open in Google Maps Our House blog
One conversation is usually enough to know where you stand.
No cost to you in most cases,* and no obligation at the end of it.
Book a call with Call or text 250-508-8278 gary@nexgenmortgages.ca
· Registered as Gagandeep Singh (Gary) Nagra · Registered Submortgage Broker, BCFSA
#519-2840 Peatt Rd, Victoria BC V9B 3V5
250-508-8278 · gary@nexgenmortgages.ca
Serving Victoria, Langford, Colwood, Saanich, Esquimalt, Oak Bay, View Royal, Sooke and Sidney ·
Dominion Lending Centres Valley Financial - Nexgen Mortgages.Each office is independently Owned & Operated. Dominion Lending Centres · 2215 Coquitlam Avenue, Port Coquitlam, BC V3B 1J6 · 1-888-806-8080 Privacy PolicyTerms & Conditionsdominionlending.ca Network figures (4,200+ brokers, 500+ offices, 20 years) and 90+ lenders: Dominion Lending Centres, dominionlending.ca, as of October 2026. *"No fees" means mortgage brokers generally do not charge fees to borrowers when arranging mortgages with regulated bank lenders; the broker is compensated by the lender. Fees may apply with nonregulated lenders or nontraditional solutions, and are always disclosed in writing first. Rates and terms are discussed individually and never advertised. This page is general information, not financial advice. © 2026 Dominion Lending Centres Inc. All rights reserved.
How Gary can help
- First time buying: preapproval, first timer programs, and every question answered until you can explain it back.
- Mortgage renewals: the bank's letter is a starting offer, not the finish line.
- Refinancing and equity: lower payments, consolidate debt, fund a renovation or an investment property.
- Self employed mortgages: files built for business owners whose income looks low on paper.
- Commercial property and business financing, backed by DLC Commercial.
Areas served
- Victoria: condos downtown and in James Bay, character homes in Fernwood and Oak Bay, and first purchases across the core.
- Langford: Gary's office is on Peatt Road. New builds, townhomes and growing families across Langford and Colwood.
- Saanich: where Gary grew up. Family homes, suites for rental income, and renewals across Saanich and Esquimalt.
- Westshore: commuter homes, acreages and self employed buyers from View Royal out to Sooke.
Also serving Colwood, Esquimalt, Oak Bay, View Royal, Sooke, Sidney, Central Saanich, North Saanich, Metchosin and Highlands.
Mortgage questions answered
What does working with a mortgage broker in Victoria cost?
In most cases nothing directly. Mortgage brokers are paid by the lender when arranging mortgages with regulated bank lenders. Fees may apply with nonregulated lenders or nontraditional solutions, and Gary discloses any exception in writing before you commit.
Is Gary Nagra a licensed mortgage broker in BC?
Yes. Gary Nagra (registered as Gagandeep Singh Nagra) is a registered Submortgage Broker with the BC Financial Services Authority (BCFSA), working under Dominion Lending Centres NexGen Mortgages. His registration is verifiable on the BCFSA public registry.
Does Gary only work with one lender?
No. Through Dominion Lending Centres, Gary compares options from more than 90 lenders including banks, credit unions, monolines and trust companies, and shows the tradeoffs side by side.
What areas does Gary Nagra serve?
Gary is based in Langford at #519-2840 Peatt Rd and serves all of Greater Victoria: Victoria, Langford, Colwood, Saanich, Esquimalt, Oak Bay, View Royal, Sooke and Sidney, plus clients across BC by phone and video.
How fast will I hear back?
Usually within one business day, personally from Gary, not a call centre. Call or text 250-508-8278 or email gary@nexgenmortgages.ca.