Gill Mortgage Team

Gill Mortgage Team We strive to provide the most efficient & professional service.

House hunting is exciting, until you fall for a home that's outside your budget. A pre-approval fixes that before it hap...
09/15/2026

House hunting is exciting, until you fall for a home that's outside your budget. A pre-approval fixes that before it happens.

✅ Know your real number – Not a guess you did in your head, an actual figure based on your income, debts, and credit.
✅ Shop with confidence – Every home you tour is one you can actually afford, so there's no guessing and no disappointment later.
✅ Move faster when it counts – With your number and your rate already locked in, you can make an offer the moment you find the one.

Falling in love with a home is the fun part. Falling in love with one you can't afford isn't. Let's get your number figured out first.

The First-Time Home Buyers' Tax Credit isn't something separate you have to apply for, it's a line on your tax return th...
09/14/2026

The First-Time Home Buyers' Tax Credit isn't something separate you have to apply for, it's a line on your tax return that puts real money back in your pocket.

✅ Worth up to $1,500 – A 15% federal credit on up to $10,000 of eligible home-buying costs.
✅ Covers the paperwork – Legal fees, inspections, and other closing costs all count toward it.
✅ Easy to qualify – If you (or your spouse/partner) haven't owned a home in the past four years, you're likely eligible.

Buying your first home comes with enough costs. This is one you can actually claim back. Let's make sure you're not leaving money on the table.

If you’re someone who thrives on certainty, a fixed-rate mortgage might be the right fit for you... providing the stabil...
09/11/2026

If you’re someone who thrives on certainty, a fixed-rate mortgage might be the right fit for you... providing the stability and peace of mind you need.

A fixed rate provides a locked-in interest rate for your entire term, meaning your monthly payments stay the same, no matter how market rates change. This predictability makes budgeting easier and protects you from unexpected rate hikes—helping you stay confident and in control of your long-term financial plans!

Your side hustle income can boost your mortgage affordability—but only if lenders recognize it as stable and legitimate....
09/09/2026

Your side hustle income can boost your mortgage affordability—but only if lenders recognize it as stable and legitimate. To count, it must be:

✅ Sustainable – Lenders need proof the income will continue long-term.
✅ Declared to the CRA – It must be on your tax returns and bank statements.
✅ Well-Documented – Be ready to provide tax filings and income records.

While extra income may strengthen your application, not all lenders will accept it. Want to maximize your mortgage potential? Let’s chat!

💼 Went Through Bankruptcy? Here's How to Get Back to Homeownership 🏡A bankruptcy or consumer proposal doesn't close the ...
09/09/2026

💼 Went Through Bankruptcy? Here's How to Get Back to Homeownership 🏡

A bankruptcy or consumer proposal doesn't close the door on homeownership forever. It's a setback — not a permanent barrier. What matters most is what you do next.

Here's what lenders will want to see after a bankruptcy in Canada:

✅ Discharge date — How long have you been discharged? (Typically 2+ years for most lenders)
✅ Rebuilt credit — Have you re-established at least two active trade lines since discharge?
✅ Down payment — Do you have a minimum of 5–10% saved? (More is better)
✅ Stable income — Can you demonstrate consistent, documentable income?
✅ Debt service ratios — Are your current debts manageable relative to your income?

At Team Gill, we work with both traditional and alternative lenders — including those who specialize in clients rebuilding after financial difficulty. We've helped many Surrey families get back into homeownership sooner than they thought possible.

If you're not ready today, let's build a plan so you will be.

📞 Mick: 604-828-1557 | Sheila: 604-828-5141
📩 [email protected] | 🌐 www.teamgill.ca

https://www.teamgill.ca/

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgag...
09/02/2026

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgage agent (broker) on your side means more options, expert guidance, and a smoother path to long-term growth.

Looking for financing options for an investment property - we have solutions from our Commercial Division for large projects to your first residential rental property. Contact us today for all your financing needs!

Two things are true about today's Bank of Canada announcement. 👇First, Canada's economy is recovering. GDP grew 3.3% in ...
09/02/2026

Two things are true about today's Bank of Canada announcement. 👇

First, Canada's economy is recovering. GDP grew 3.3% in Q2. Consumer spending is up. Housing is stabilizing. Exports and business investment both surged. That is real progress.

Second, things just got more complicated. Trade talks between Canada and the US broke down. New tariffs are in play on both sides. The Middle East conflict is keeping energy prices elevated. The Bank held rates at 2.25% but made clear that risks are rising.

For mortgage holders and buyers, this is exactly the environment where having a clear plan matters most.

If your renewal is coming up or you are thinking about purchasing, now is the time to have that conversation.

📅 Next rate decision: October 28, 2026
📩 Reach out and let's talk through your options.
https://www.teamgill.ca/bank-of-canada-holds-rate-at-2-25-september-2-2026

📈 Ready to Build Wealth Through Real Estate in the Lower Mainland? Let's Talk Strategy 🏡Surrey and the Fraser Valley rem...
09/02/2026

📈 Ready to Build Wealth Through Real Estate in the Lower Mainland? Let's Talk Strategy 🏡

Surrey and the Fraser Valley remain among the most compelling real estate investment markets in Canada — and with the right financing structure, the numbers can work in your favour.

At Team Gill, we help investors at every level:

🏠 First investment property — understanding the 20% down payment requirement and how rental income is used to qualify
📊 Growing a portfolio — structuring financing across multiple properties without hitting lender walls
🔑 Value-add projects — purchase plus improvements financing for properties that need work
💼 Commercial investments — Dylan specializes in commercial financing across BC

Key things investors need to know in 2026:
— Most lenders require 20% down for investment properties
— Rental income offsets vary significantly between lenders
— Your portfolio structure matters as much as your credit score

Whether you're buying your first rental or your fifth — let's build a strategy that works long-term.

📞 Dylan: 778-255-1557 | Mick: 604-828-1557
📩 [email protected] | 🌐 www.teamgill.ca

https://www.teamgill.ca/

Your mortgage isn't one size fits all, and it shouldn't be treated that way.A bank can offer you their rates, on their t...
08/27/2026

Your mortgage isn't one size fits all, and it shouldn't be treated that way.

A bank can offer you their rates, on their terms. A licensed mortgage agent/broker can shop the market and build a mortgage around your life: 1, 2, 3, 5, or 7 year terms, structured to match your income, your goals, and your plans down the road.

That difference doesn't just matter today. It compounds. The right term now can mean more flexibility at renewal, less interest paid over time, and a mortgage that actually grows with you instead of one you're stuck renegotiating around.

Working with a broker means having someone in your corner for the life of your mortgage, not just the day you sign.

Let's build a mortgage that's customized to you. Reach out today!

🏡 Planning for Mortgage Financing in Retirement? You Have More Options Than You Think 📊Not everyone enters retirement mo...
08/26/2026

🏡 Planning for Mortgage Financing in Retirement? You Have More Options Than You Think 📊

Not everyone enters retirement mortgage-free — and in today's economy, that's more common than ever. The good news is that there are several mortgage solutions designed specifically for older Canadians.

Here are your main options:

1️⃣ Standard Mortgage Financing
If you have qualifying income (pension, CPP, OAS, investment income, rental income), you may qualify for a conventional mortgage — even in retirement.

2️⃣ Reverse Mortgage
Available to homeowners 55+, a reverse mortgage lets you access your home equity as tax-free cash with no monthly payments required. You stay in your home.

3️⃣ Home Equity Line of Credit (HELOC)
A flexible, revolving credit line secured against your home. Access funds as needed — ideal for managing cash flow in retirement.

4️⃣ Private Financing
For situations that don't fit conventional criteria, private lenders offer short-term solutions that can bridge the gap.

The advantage of working with Team Gill is access to all of the above — not just what one bank offers.

Let's talk about what makes sense for your retirement plan.

📞 Mick: 604-828-1557 | Sheila: 604-828-5141
📩 [email protected] | 🌐 www.teamgill.ca

https://www.teamgill.ca/

Address

6968 149 Street
Surrey, BC
V3S1K1

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Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm

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