Mortgages by Gill

04/10/2026

The biggest mistake I see 👇

People hear “no” from their bank… and stop there.

Or they think B lenders = private lenders.

Both are wrong.

There are levels to lending:
✔ A lenders (banks)
✔ B lenders (alternative)
✔ Private lenders

Each has a purpose.

The key is using the RIGHT one at the RIGHT time — with a plan to move forward.

Don’t disqualify yourself before exploring your options.

📩 Message me if you’ve been declined — let’s figure it out.

04/04/2026

Most people think it’s broker vs bank… but that’s the wrong way to look at it.

A broker doesn’t compete with banks — we work with them (and many more).

👉 One bank = one offer
👉 Broker = multiple lenders competing for you

That’s where better strategy (and savings) come in.

Before you commit anywhere, make sure you’ve seen your options.

📩 DM me “OPTIONS” and I’ll break it down for you.

03/28/2026

Most people think getting approved for a mortgage is all about income.

But that’s only one piece of the puzzle.

Lenders look at:
✔️ Income
✔️ Credit history
✔️ Existing debts
✔️ Down payment
✔️ And even the property itself

Miss one… and it can affect your approval.

Before you start house hunting, make sure your full profile is aligned — not just your salary.

If you’re unsure where you stand,
send me a message and I’ll walk you through it.

03/25/2026

Most people focus on the interest rate…
but ignore something just as powerful 👇

Your payment frequency.

Choosing the right one can:
✔️ Save you thousands in interest
✔️ Help you pay off your mortgage faster
✔️ Do it without changing your lifestyle

The smartest option?
👉 Accelerated bi-weekly.

It’s like making 1 extra payment every year… without even feeling it.

If you’re buying or renewing soon, this matters more than you think.

📩 DM me “PAYMENT” and I’ll show you what works best for your situation.

03/23/2026

I see this mistake all the time…

People wait years to save 20% — thinking they’re making the “smart” move.

But in many cases, they end up paying MORE.

Mortgage insurance isn’t the real decision-maker.

Strategy is.

👇 Vote in the poll — 5% vs 20%

03/23/2026

03/22/2026

Don’t fall in love with the house before understanding the numbers

At every open house, I see buyers focusing on:
• Price
• Layout
• Finishes

But missing the most important part 👇
👉 What does this actually cost you monthly?

The same home can feel completely different depending on your strategy.

Before you buy, get clarity.

DM me “PLAN” — I’ll break down your numbers properly.

– Mortgages by Gill

03/18/2026

🚨 Bank of Canada Update – What it REALLY means for you

The Bank of Canada just held rates at 2.25%

Sounds like good news… right?

Not exactly.

Here’s the truth 👇

• Inflation is under control (for now)
• BUT oil prices are rising fast
• And the Bank clearly said: they’re ready to hike again if needed

👉 Translation:
We’re in a pause… not a pivot

🏡 If you’re buying:
Waiting for big rate drops might cost you more.

🏡 If you have a variable mortgage:
You’re safe for now… but not out of the woods.

🏡 If you’re renewing soon:
This is the time to plan — not guess.

The market is shifting from “rates going down” to uncertainty

And in this market, strategy matters more than timing.

If you want clarity on your situation — DM me “PLAN”

– Mortgages by Gill

08/11/2025

** “Just paid off your mortgage? Congratulations! 🏡✨ That’s a HUGE milestone — but what comes next matters even more.**🦁

Finishing your mortgage is your starting line for something bigger. Here’s how to make it count:

• Track your actual cash flow — Don’t forget ongoing costs like property tax, maintenance, and insurance.

• Eliminate high-interest debt first — Credit cards? Lines of credit? They should come before splurges.

• Boost your savings game — Ready your TFSA, RRSP, or even RESP for your kids. Your mortgage-free income deserves to be invested wisely.

• Review your insurance & estate plan — Now that that debt is gone, do you need less life insurance? Have wills or long-term care plans been updated?

This isn’t just about freedom—it’s about using that freedom strategically.

Ready to design what comes next? Let’s talk about how to make your next chapter work for you.
— Harkirat Gill, Mortgages by Gill

06/28/2025

🏡 Start your home journey the right way!

Getting pre-approved isn’t just a step… it’s your first step towards homeownership ✅

With a pre-approval:
✔️ You know your budget
✔️ You shop with confidence
✔️ Sellers take your offer seriously

If you’re thinking of buying, let’s get your pre-approval done today!
📞 DM me or click the link in bio to get started.

06/11/2025

📄 Thinking about buying a home?
Here are the 5 essential documents you’ll need to get pre-approved for a mortgage 👇

1️⃣ Government-issued photo ID
2️⃣ Recent pay stubs + Letter of Employment
3️⃣ T4s & Notices of Assessment (last 2 years)
4️⃣ Proof of down payment
5️⃣ (Optional but smart) Check your credit report

💡 Having these ready speeds up the process and helps you house hunt with confidence!

🔑 Ready to get started or have questions? Let’s talk.
📩 DM me or book your free consult using the link in bio.

—

🏡 Harkirat Singh Gill | Mortgages by Gill
📞 (780) 245-0675
🌐 harkiratgillmortgages.ca

06/03/2025

Most people don’t get the best mortgage because they don’t know what to ask.

That’s where I come in. I don’t just find you a rate—I break down your options, explain the fine print, and help you make a confident, informed decision.

🏡 Whether you’re buying your first home, refinancing, or investing—I’ve got your back.

💬 DM me if you’re thinking about your next move. No pressure, just honest advice.

—
🔑 Mortgages by Gill
📍 Edmonton