Mick Gill

Accredited Mortgage Professional

With over 20 years mortgage lending experience, I advise my clients with the best solutions for all their financing needs. Alongside my wife Sheila, we build and maintain long term relationships with our clients helping with their immediate and future needs for themselves and their families. As part of a large network of mortgage professionals, we’re able to offer the very best in mortgage products and rates.


Our goal is to keep the mortgage process as simple and stress free as possible.

Sheila Gill

Mortgage Professional

Sheila started her mortgage career in September 2006 as an assistant to her husband Mick and officially joined Mick in May 2007. She brings 17 years of experience in dealing with the general public as a government employee. She thrives on providing the best service possible to all her clients and finding the right solution to fit their needs. 


She loves to workout and watch basketball, football and hockey. 

Dylan Gill

Mortgage Broker

Dylan is a lifelong Surrey resident and started with the Gill Team in March of 2020. Dylan enjoys the opportunity to help clients achieve their goals and strives to build long term relationships. 


Dylan has been a broker for 5 years, specializing in Commercial.


Dylan is an avid sports fan. If he isn’t watching the games, he will be out there playing football, hockey, basketball & golf.


Mortgage financing doesn't have to be difficult. We can do this together, here's the plan...

STEP ONE
Get Connected 

The best place to start is to connect with us directly. The mortgage process is personal, and it can be daunting. Our commitment to you is that we'll listen to all your needs, assess your financial situation and provide you with a plan to move forward. 

STEP TWO
Evaluate Options

Once we’ve had a look at your financial situation, we’ll consider a variety of mortgage options, we’ll outline what documents are necessary to qualify for a mortgage, negotiate with the lenders on your behalf and arrange the mortgage that best suits your needs.

STEP THREE
Rest Easy

Once we’ve arranged the mortgage product that best suits your needs, you’re not alone. We're your mortgage professionals for life. If you’ve got questions in the years to come, we're always available to make sure that your mortgage is working for you and not the other way around!

Mortgage Services

Customer Care

We believe that our responsibility as mortgage experts goes well beyond simply arranging mortgage financing. Our job is to ensure our clients feel confident in the mortgage process and make decisions that best suit them.



Education

In order for our clients to feel confident about the mortgage process and make the best decisions for them, they have to feel at ease and be able to ask questions. We stay in touch throughout the entire process, provide lots of information up front, but also make ourselves available all the time! 



Here For You

Although we are independent mortgage experts, we do collaborate and work together… because two heads are better than one! Please feel free to reach out to either of us with questions. We would love to hear from you!



Recently From the Blog

Is Now the Right Time to Buy? A Look at Canada's 2026 Housing Market

By Team Gill • March 17, 2026
For many Canadians, the dream of homeownership has felt like a moving target. After years of market volatility, shifting interest rates, and economic uncertainty, you might be wondering: is 2026 finally the year to make a move?

Your Guide to Successfully Navigating the Housing Market

By Team Gill • March 10, 2026
Wondering If Now’s the Right Time to Buy a Home? Start With These Questions Instead. Whether you're looking to buy your first home, move into something bigger, downsize, or find that perfect place to retire, it’s normal to feel unsure—especially with all the noise in the news about the economy and the housing market. The truth is, even in the most stable times, predicting the “perfect” time to buy a home is incredibly hard. The market will always have its ups and downs, and the headlines will never give you the full story. So instead of trying to time the market, here’s a different approach: Focus on your personal readiness—because that’s what truly matters. Here are some key questions to reflect on that can help bring clarity: Would owning a home right now put me in a stronger financial position in the long run? Can I comfortably afford a mortgage while maintaining the lifestyle I want? Is my job or income stable enough to support a new home? Do I have enough saved for a down payment, closing costs, and a little buffer? How long do I plan to stay in the property? If I had to sell earlier than planned, would I be financially okay? Will buying a home now support my long-term goals? Am I ready because I want to buy, or because I feel pressure to act quickly? Am I hesitating because of market fears, or do I have legitimate concerns? These are personal questions, not market ones—and that’s the point. The economy might change tomorrow, but your answers today can guide you toward a decision that actually fits your life. Here’s How I Can Help Buying a home doesn’t have to be stressful when you have a plan and someone to guide you through it. If you want to explore your options, talk through your goals, or just get a better sense of what’s possible, I’m here to help. The best place to start? A mortgage pre-approval . It’s free, it doesn’t lock you into anything, and it gives you a clear picture of what you can afford—so you can move forward with confidence, whether that means buying now or waiting. You don’t have to figure this out alone. If you’re curious, let’s talk. Together, we can map out a homebuying plan that works for you.

Everything You Need to Know About Second Mortgages

By Team Gill • February 24, 2026
What Is a Second Mortgage, Really? (It’s Not What Most People Think) If you’ve heard the term “second mortgage” and assumed it refers to the next mortgage you take out after your first one ends, you’re not alone. It’s a common misconception—but the reality is a bit different. A second mortgage isn’t about the order of mortgages over time. It’s actually about the number of loans secured against a single property —at the same time. So, What Exactly Is a Second Mortgage? When you first buy a home, your mortgage is registered on the property in first position . This simply means your lender has the primary legal claim to your property if you ever sell it or default. A second mortgage is another loan that’s added on top of your existing mortgage. It’s registered in second position , meaning the lender only gets paid out after the first mortgage is settled. If you sell your home, any proceeds go toward paying off the first mortgage first, then the second one, and any remaining equity is yours. It’s important to note: You still keep your original mortgage and keep making payments on it —the second mortgage is an entirely separate agreement layered on top. Why Would Anyone Take Out a Second Mortgage? There are a few good reasons homeowners choose this route: You want to tap into your home equity without refinancing your existing mortgage. Your current mortgage has great terms (like a low interest rate), and breaking it would trigger hefty penalties. You need access to funds quickly , and a second mortgage is faster and more flexible than refinancing. One common use? Debt consolidation . If you’re juggling high-interest credit card or personal loan debt, a second mortgage can help reduce your overall interest costs and improve monthly cash flow. Is a Second Mortgage Right for You? A second mortgage can be a smart solution in the right situation—but it’s not always the best move. It depends on your current mortgage terms, your equity, and your financial goals. If you’re curious about how a second mortgage could work for your situation—or if you’re considering your options to improve cash flow or access equity—let’s talk. I’d be happy to walk you through it and help you explore the right path forward. Reach out anytime—we’ll figure it out together.

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