About Jessy Gill

Jessy started her mortgage career at RBC in 2011. For nearly a decade, she worked inside Canada's largest bank, learning the underwriting models, the approval criteria, the risk matrices, and, frankly, how banks are designed to maximize their own margin, not yours.

She was good at her job. But the more experience she accumulated, the more she noticed a recurring pattern: clients with great files getting mediocre rates because they didn't know to negotiate. Self-employed clients being declined by automated systems that couldn't understand their income. Renewals being signed without a single alternative ever being presented.

In 2021, Jessy earned her mortgage agent licence and moved to the broker channel. As a broker, she could work with 45+ lenders, including the very banks she used to work for, but now as an advocate for her clients. She uses the same inside knowledge to identify which lender will see a client's file most favourably, how to present income in a way that resonates with underwriters, and when to push back.

Jessy holds an MBA, which shapes how she thinks about mortgage strategy, not just as a transaction, but as a financial decision with long-term implications. She helps clients understand the full picture: penalty structures, prepayment privileges, portability, and how their mortgage fits into their overall financial plan.

She is deeply rooted in the Ottawa community, fluent in both English and Punjabi, and has helped hundreds of Ottawa families, professionals, and investors navigate the mortgage process with clarity and confidence. Her brokerage is Mortgage Outlet Inc. (License #12628), one of Canada's most established independent mortgage brokerages.