Mortgage Broker · Dominion Lending Centres Valley Financial - Nexgen Mortgages
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For business owners & incorporated pros
What I'll ask you for
Last 2 yearsNOAs + T1 Generals
6 to 12 monthsbusiness bank statements
Your businessarticles of incorporation or business license
No pressure first step
Fifteen minutes. Bring your last NOA.
I'll tell you honestly whether your file works now, or what to change so it works in six months.
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Your bank reads paystubs. I read businesses.
Declined because your income "looks low on paper"? That's not a dead end. It's the wrong lender. There are lenders built for self employed files, and I know which ones fit your file.
Tell me about your businessCall or text 250-508-8278Why the bank said no, and why it doesn't matter
"Your income is too low" You write off expenses, so your taxable income looks small. Some lenders assess your real cash flow: bank statements, not just your NOA. "Not self employed long enough" Under two years of history kills a bank file. Alternative lenders work with shorter track records and strong deposits. "The money is in the corp" Retained earnings sitting in your corporation count for nothing at most banks. The right lender reads corporate statements too.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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