Mortgage Broker · Dominion Lending Centres Valley Financial - Nexgen Mortgages
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Renewal coming up?
Free, and honestly free
Send me your renewal date
I'll diarize it and reach out six months ahead. If your bank's letter turns out to be the best deal, I'll tell you to sign it.
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Don't sign the renewal letter yet.
That letter is your bank's opening offer, priced for people who sign without asking. Twenty minutes of checking the market is the highest paid time of your year.
Get a free renewal reviewCall or text 250-508-8278What the letter doesn't tell you
It's rarely their best offer Banks send posted style pricing first. The sharper number appears only when they know you're shopping, or never. Auto renewing locks the fine print Penalties, prepayment room, portability: you recommit to all of it for years, by doing nothing. Switching is easier than you think At renewal there's no penalty to leave, and the new lender often covers the transfer costs.The renewal clock
6mo Six months outFree review. We see what the market offers your file. No commitment, no credit pull yet.
4mo Four months outHold the best option. If your bank beats it, wonderful. You sign from strength either way.
Day 0 Renewal daySign smart or switch penalty free. Either way it was your decision, not the letter's.
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.caPreapprovals · Renewals · Refinancing · HELOC · First Time Buyers · New to Canada · Debt Consolidation · Investment Properties · Self Employed · Commercial · Victoria · Langford · Saanich · Preapprovals · Renewals · Refinancing · HELOC · First Time Buyers · New to Canada · Debt Consolidation · Investment Properties · Self Employed · Commercial · Victoria · Langford · Saanich ·
· 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.
· 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.
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