Why Use a Mortgage Broker?

Working with a broker instead of going directly to your bank means better rates, more options, and a smoother process — all at no cost to you.

Your Advocate, Not the Bank's

When you walk into a bank, the mortgage specialist works for the bank — not for you. Their job is to sell the bank's products at rates the bank decides.

A mortgage broker is different: I work for you, and I'm paid by the lender only after you're successfully funded. With access to 50+ lenders, I shop the entire market on your behalf.

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Bank vs. Broker at a Glance

  • Bank: 1 lender, limited products, works for the bank
  • Broker: 50+ lenders, wide product range, works for you
  • Bank: Rate is what they offer — take it or leave it
  • Broker: Lenders compete for your business
  • Bank: May charge fees for advice
  • Broker: Typically free to you

6 Reasons to Choose Gagan Luna

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Save Money

Lenders compete for your business, often resulting in better rates than your bank will offer.

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Save Time

I do all the shopping, paperwork, and negotiating — in a fraction of the time it would take you.

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Tailored Advice

I match you with the right product for your unique situation — not just the most popular one.

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Complex Situations Welcome

Self-employed? New to Canada? Credit challenges? I specialize in situations banks often turn away.

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No Cost to You

In most cases, my services are completely free. I'm paid by the lender after your mortgage funds.

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Ongoing Support

My relationship with you doesn't end at closing — I'm here for renewals and future mortgage needs.

Ready to take the next step?

Book a free, no-obligation consultation and let's find the right mortgage for your situation.

Apply Now → Contact Gagan