Know your number before you fall for a house.
A written preapproval tells you, and the seller, exactly what you can borrow. Your rate is held while you shop.
Who it’s for
- First time buyers starting to view homes
- Move up buyers who need to sell and buy
- Anyone writing offers in a competitive market
How it works
- 1 Send your documents. The checklist tells you exactly what.
- 2 Gary reviews them, usually within one business day, and matches you with the right lender.
- 3 You get a written preapproval, usually with a 90 to 120 day rate hold.
Borrow against your home, only when you need it.
A home equity line of credit lets you draw on your equity for renovations, investments or emergencies, and pay interest only on what you use.
Who it’s for (more)
- Homeowners planning a renovation or suite
- Investors who want a down payment for the next property
- Anyone who wants a safety net cheaper than a credit card
How it works (more)
- 1 Gary checks your equity: a HELOC can go up to 65% of your home’s value, and up to 80% combined with your mortgage.
- 2 He compares standalone and readvanceable options across lenders.
- 3 Your line is registered; draw and repay as you go.
A Canadian home, even without Canadian credit history.
Lenders have programs for permanent residents and work permit holders who are building credit here. Knowing which one fits saves months.
Who it’s for (more)
- Permanent residents in their first years in Canada
- Work permit holders with steady employment
- Families moving savings from abroad
How it works (more)
- 1 Gary reviews your status, income and down payment source.
- 2 He gathers foreign credit references and proof of funds the lender will accept.
- 3 You get a preapproval from a lender with a newcomer program that fits.
Rental and investment properties, financed properly.
Whether it’s a suite in your own home or a second property, how you structure the mortgage decides how much you can grow.
Who it’s for (more)
- First time investors buying a rental
- Homeowners adding a legal suite
- Investors building a portfolio
How it works (more)
- 1 Gary reviews your income, existing mortgages and the property’s rent.
- 2 He finds lenders that count rental income the way that helps you most.
- 3 You get a structure that leaves room for the next purchase.
Stay in your home and unlock its value.
A reverse mortgage lets homeowners 55+ turn part of their home equity into tax free cash, with no monthly mortgage payments.
Who it’s for (more)
- Retirees who want to stay in their home
- Homeowners helping children with a down payment
- Anyone covering care or living costs without selling
How it works (more)
- 1 Gary walks you, and your family if you like, through how it works.
- 2 He compares reverse mortgage lenders and what you qualify for.
- 3 Independent legal advice is required before you sign.
When the bank says no, it isn’t always the end.
Private and alternative lenders look at the property and the plan, not just the credit score. Used well, they are a short bridge back to a bank.
Who it’s for (more)
- Borrowers with bruised credit or a consumer proposal
- Unusual properties or income banks won’t touch
- Tight timelines a bank can’t meet
How it works (more)
- 1 Gary explains why the bank declined and what would change it.
- 2 He finds a private or alternative lender and puts every fee in writing first.
- 3 Together you set an exit plan back to a regular lender, usually within one to two years.
Buy your next home before you sell this one.
Bridge financing covers the gap when your new home completes before the sale of your current one, so you are not forced into two moves.
Who it’s for (more)
- Move up buyers with a firm sale on their current home
- Families who need possession before their sale completes
- Downsizers timing a purchase and a sale
How it works (more)
- 1 Gary confirms your firm sale and both completion dates.
- 2 He arranges short term bridge funds alongside your new mortgage.
- 3 The bridge is repaid from your sale proceeds on completion.
Build, or buy and renovate, with one plan.
Construction mortgages release funds in stages as your build progresses. Purchase plus improvements adds renovation costs to the purchase mortgage.
Who it’s for (more)
- Owners building a new home or laneway house
- Buyers who want to renovate right after completion
- Homeowners adding a suite
How it works (more)
- 1 Gary reviews your plans, budget and builder quotes.
- 2 He matches you with a lender for a draw or purchase plus improvements mortgage.
- 3 Funds are released as work is completed and inspected.
General information, not financial advice. Programs, limits and lender policies change; Gary confirms what applies to you. All mortgages are subject to lender qualification and approved credit (O.A.C.).
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.
