Mortgages by Gill

Mortgages by Gill Welcome to Mortgages by Gill! We're your trusted partner in finding the perfect mortgage solutions for your home or investment needs.

Contact us today to unlock your dream home journey!

07/10/2026

🏡 25 vs 30 Year Amortization — It’s not about staying in debt longer.

A 30-year amortization can lower your monthly payment and help you qualify for the home you want today.

The best part? You can always make extra payments and pay it off faster if your budget allows.

Mortgage strategy is about flexibility, not just the lowest amortization.

07/06/2026

💡 Home Buying Tip:

Down Payment ✅
Mortgage Approval ✅
Closing Costs ❓

Many buyers forget to budget for closing costs. In Alberta, setting aside approximately 1.5% of the purchase price can help cover legal fees, title registration, adjustments, and other expenses.

Save this for when you’re house hunting! 🏡

Happy Canada Day 🇨🇦🍁Grateful for the opportunities, friendships, and future this country has made possible.Proud to call...
07/01/2026

Happy Canada Day 🇨🇦🍁

Grateful for the opportunities, friendships, and future this country has made possible.

Proud to call Canada home.

— Harkirat Gill

🍁

06/22/2026

🏡 Appraisal Day!

One of the most important steps in the mortgage process happens behind the scenes — the appraisal.

An appraisal helps the lender confirm the property’s value and ensures everything aligns before final approval.

💡 A strong appraisal keeps your financing on track.
💡 A lower-than-expected appraisal may require additional planning.

Whether you’re buying your first home or your next investment property, understanding the process can help avoid surprises.

Have questions about appraisals or the home-buying process? Send me a message!

06/05/2026

🏡 See the numbers before you see the houses.

One of the biggest mistakes homebuyers make is shopping for homes before understanding what they can comfortably afford.

A mortgage pre-approval helps you:
✅ Know your budget
✅ Understand your monthly payment
✅ Estimate closing costs
✅ Shop with confidence

Because the right home starts with the right numbers.

📩 Message me to get pre-approved before you start house hunting.

05/30/2026

Separate entrance. Extra privacy. Extra income. 💰🏡

A legal basement suite with its own entrance can help homeowners generate rental income and potentially increase their purchasing power when qualifying for a mortgage.

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.

Address

9241 50 Street
Edmonton, AB
T6B3B6

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