Gill Mortgage Team

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

🏡 Thinking About Selling Your Surrey Home? Talk to a Mortgage Broker Before You List 🤔Most people call their realtor fir...
06/03/2026

🏡 Thinking About Selling Your Surrey Home? Talk to a Mortgage Broker Before You List 🤔

Most people call their realtor first. But connecting with an independent mortgage professional before you list could save you thousands — and prevent costly surprises. Here's why:

If you're buying again:
You'll likely need a new mortgage. Knowing what you qualify for — and whether you can port your existing mortgage — should shape your entire strategy.

If you're not buying again:
You still need to understand the cost of breaking your current mortgage. Penalties can range from three months' interest to tens of thousands of dollars depending on your lender and rate.

If you're going through a separation:
Don't rush to sell the family home. Special programs exist that allow one party to buy out the other — and a legal separation agreement is key to making that work.

We've helped hundreds of Surrey homeowners navigate this transition smoothly. Let's make sure you go in with a clear plan.

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

https://www.teamgill.ca/

We had a great few days at the Okanagan Indi Golf Tournament.Thank you Indi for an amazing dinner and the Deenu and Brad...
06/01/2026

We had a great few days at the Okanagan Indi Golf Tournament.

Thank you Indi for an amazing dinner and the Deenu and Brad from Shelter Lending for an awesome day of golf (minus the rain)

Is Alternative or Private Lending Right for You? Not everyone fits into the traditional lending box, and that’s where al...
05/30/2026

Is Alternative or Private Lending Right for You?

Not everyone fits into the traditional lending box, and that’s where alternative and private lending can be a game-changer. If you're self-employed, earning commission-based income, New to Canada, or have unique financial circumstances, these lending options offer more flexibility than conventional banks. We can help!

✅ Self-Employed? Alternative lenders consider your full financial picture, not just tax returns.
✅ Unconventional Income? Private lenders look at your earning potential, not just pay stubs.
✅ Credit Challenges? If past financial hiccups have impacted your credit, private financing may still be an option.

Looking for mortgage solutions tailored to you? Follow along for more insights and expert advice, or reach out today to explore your options!

The best mortgage decisions start with a conversation — not a calculator. 🗣️🏡At Team Gill, we believe that understanding...
05/27/2026

The best mortgage decisions start with a conversation — not a calculator. 🗣️🏡

At Team Gill, we believe that understanding your full financial picture is the only way to give you advice that actually serves you. When you connect with us, here's what we do:

📋 Review your complete financial situation — income, credit, assets, and goals
🔍 Explore every mortgage option available to you across our lender network
📄 Outline exactly what documentation you'll need to qualify
🤝 Negotiate with lenders on your behalf
✅ Arrange the mortgage that best fits your life — not just your numbers

With Mick's 20+ years of experience, Sheila's client-first approach, and Dylan's commercial expertise, you have a full team working for you.

Ready to get started? Reach out anytime — it would be our pleasure to work with you.

📞 Mick: 604-828-1557 | Sheila: 604-828-5141 | Dylan: 778-255-1557
📩 [email protected] | 🌐 www.teamgill.ca

https://www.teamgill.ca/

What’s the difference?Monoline lenders are financial institutions that offer mortgage products exclusively through mortg...
05/27/2026

What’s the difference?

Monoline lenders are financial institutions that offer mortgage products exclusively through mortgage agents (brokers). Unlike banks, they don’t offer chequing accounts or credit cards. That means no retail branches, lower overhead, and often more competitive mortgage rates and flexible terms.

Working with a licensed mortgage agent (broker) means you have access to both monoline lenders and traditional banks. Whether you're a first-time buyer, self-employed, new to Canada, or looking to renew, refinance, or invest, a licensed agent (broker) can help you compare all your options and find the right fit.

📲 Want to understand which lending option is right for you? Let’s connect.

05/26/2026

Treat every renewal like your first mortgage.

Too many homeowners simply sign back the offer their lender sends without exploring what else is available. Every renewal is an opportunity to reassess your goals, explore your options, and make sure your mortgage still fits your life — so don't let it be a rubber stamp moment.

Starting your review 3 to 6 months early gives you the time and flexibility to compare lenders, revisit your goals, and make the right decision without the pressure.

📅 Don't just sign back the first offer you receive — connect with a licensed mortgage agent who works for you and make your next term your best one yet.

Your home is worth protecting — but so is everything inside it. 🏡Mortgage payment protection is designed to keep your pa...
05/21/2026

Your home is worth protecting — but so is everything inside it. 🏡

Mortgage payment protection is designed to keep your payments covered if life takes an unexpected turn — whether that's job loss, illness, injury, or the unthinkable. In today's economic climate, that peace of mind matters more than ever.

Whether you're buying your first home, refinancing, renewing, investing, or building a new life in Canada, the right protection plan ensures your financial goals stay on track no matter what comes your way.

A Mortgage Protection Plan is more than a life insurance policy — it's a safety net for the people and the future you're building.

➡️ Let's talk about the right layer of protection for you and those you love.

🏠 Everything You Need to Know About Down Payments in BC 💰Your down payment is the foundation of your mortgage — and in S...
05/20/2026

🏠 Everything You Need to Know About Down Payments in BC 💰

Your down payment is the foundation of your mortgage — and in Surrey's market, understanding your options can make a real difference. Here's what every buyer needs to know:

📌 The minimum down payment in Canada is 5% for homes up to $500,000
📌 For homes between $500,000–$999,999: 5% on the first $500K + 10% on the remainder
📌 For homes $1M+: minimum 20% required
📌 Less than 20% down? Mortgage default insurance (CMHC, Sagen, or Canada Guaranty) is required

Where can your down payment come from?

💰 Personal savings (most common)
🏡 Proceeds from the sale of another property
🏦 RRSP Home Buyer's Plan (up to $35,000 per person)
🎁 Gifted funds from an immediate family member
📈 First Home Savings Account (FHSA) — up to $40,000 tax-free

It's never too early to start planning your down payment strategy. The earlier we talk, the more options you'll have.

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

https://www.teamgill.ca/

Your income tells a story — and it may be more mortgage-worthy than you think. Many applicants are surprised to learn th...
05/18/2026

Your income tells a story — and it may be more mortgage-worthy than you think.

Many applicants are surprised to learn that non-traditional income sources like the Canada Child Benefit, spousal or child support, maternity or parental leave, and even foster care income may count toward your mortgage eligibility depending on the lender.
Every situation is different, and not all lenders assess income the same way. That's where we come in. As licensed mortgage agents, we take the time to understand your full financial picture and match you with the lender that works best for you.

Let's review your income sources together and find the right fit!

Why hello long weekend! We hope you find time to relax, recharge, and reconnect this Victoria Day.
05/16/2026

Why hello long weekend! We hope you find time to relax, recharge, and reconnect this Victoria Day.

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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