Gill Mortgage Team

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

🏡 Did You Know Your RRSP Can Help You Buy a Home in Surrey? 🏦The Home Buyer's Plan (HBP) is one of the most underutilize...
06/17/2026

🏡 Did You Know Your RRSP Can Help You Buy a Home in Surrey? 🏦

The Home Buyer's Plan (HBP) is one of the most underutilized tools available to first-time buyers in Canada — and it could significantly boost your down payment.

Here's how it works:

✅ Who qualifies?
First-time homebuyers (or those who haven't owned a home in the past 4 years). Those with disabilities or helping someone with a disability can access it at any time.

✅ How much can you withdraw?
Up to $35,000 per person — or $70,000 per couple — tax-free from your RRSP.

✅ What's the catch?
The funds must have been in your RRSP for at least 90 days. You have 15 years to repay the amount back into your RRSP, starting two years after the withdrawal.

✅ Can you combine it with the FHSA?
Yes! Pairing your HBP withdrawal with a First Home Savings Account (FHSA) can give your down payment a powerful boost.

Want to understand how the HBP fits into your overall down payment strategy? Let's map it out together.

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

https://www.teamgill.ca/

Ready to buy a home in Surrey or the Fraser Valley? Let's make it happen. 🏡🔑Whether you're a first-time buyer, moving up...
06/10/2026

Ready to buy a home in Surrey or the Fraser Valley? Let's make it happen. 🏡🔑

Whether you're a first-time buyer, moving up, or relocating to BC — the mortgage process doesn't have to be complicated. At Team Gill, we keep it simple and stress-free from start to finish.

Here's what working with us looks like:
✅ Step 1: Get Connected — We listen, assess, and build a plan
✅ Step 2: Evaluate Options — We shop lenders and negotiate on your behalf
✅ Step 3: Rest Easy — We're your mortgage team for life, not just for this transaction

With access to dozens of lenders and 20+ years of experience in the BC market, we'll find you the right mortgage — not just any mortgage.

Reach out today. It would be a genuine 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/

📢 Bank of Canada Rate Announcement — June 10, 2026The Bank of Canada held its overnight rate at 2.25% today.Here's the q...
06/10/2026

📢 Bank of Canada Rate Announcement — June 10, 2026

The Bank of Canada held its overnight rate at 2.25% today.

Here's the quick breakdown:
🔹 Overnight rate: 2.25% (unchanged)
🔹 Prime rate: 4.45% (unchanged)
🔹 Variable mortgages & HELOCs: no change today
🔹 Inflation: sitting at 2.8%, expected to hover near 3% short term
🔹 Next announcement: July 15, 2026

Canada's economy has been soft — GDP actually dipped slightly in Q1 — and the Bank is watching the Middle East conflict and US tariff uncertainty closely before making any moves.

Want to know what this means for your specific mortgage situation? Drop a comment or send us a message. 💬
https://www.teamgill.ca/bank-of-canada-holds-rate-at-2-25-june-10-2026

🏡 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.

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6968 149 Street
Surrey, BC
V3S1K1

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