I can't say enough good things about Joven. He is one of the kindest, most genuine professionals I've had the pleasure of working with.
From the very beginning, he was completely transparent and took the time to explain every part of the mortgage process in a way that was easy to understand. He made me feel comfortable, informed, and confident every step of the way. I never felt rushed or pressured, and I always knew he had my best interests at heart.
Joven truly cares about his clients and is always willing to go the extra mile to help. If you're looking for a mortgage broker who is honest, trustworthy, knowledgeable, and genuinely invested in helping you make the right decisions, I highly recommend Joven. You'll be in great hands.
Mortgage broker Lower Mainland, BC
Mortgage advice that works for you, not the bank.
Buying your first home, refinancing or investing, I compare 30+ lenders to find the mortgage that fits your life. And I stay in your corner long after you get the keys.
30+ Google reviews
Read what clients say
Hi, I'm Joven.
Mortgage broker with BRX Mortgage
Get to know me
What can I help you with today?
- Book a free call15 minutes, no obligation
- Apply onlineSecure and done at your pace
- Track my mortgageEquity, renewal and savings
- Run the numbersMortgage calculators
30+Google reviews
from real clients
from real clients
30+Lenders to choose from:
banks, credit unions & more
banks, credit unions & more
1Point of contact
from call to keys
from call to keys
BCLicensed under BCFSA
with BRX Mortgage
with BRX Mortgage
One application, many lenders. I shop your mortgage across big banks, credit unions and alternative lenders.
Services
Who we work with.
Five areas I focus on, so every client gets advice from someone who does this every day.
Book a free call- 01 First-time home buyersTurn renting into owning with a plan that fits your budget, from pre-approval to possession day.
- 02 Debt consolidationReplace high-interest payments with one manageable mortgage payment and free up monthly cash flow.
- 03 Equity refinanceUnlock the value you've built in your home for renovations, investing or your next purchase.
- 04 Business ownersSelf-employed or incorporated, I present your income the way the right lenders want to see it.
- 05 Investment propertiesFinance your next rental and set your portfolio up to keep growing.
Google reviews
See all on Google
What our clients say.
Working with Joven was an absolute pleasure from start to finish. He is professional, highly knowledgeable, and deeply committed to his clients. He guided us through every step of the real estate process with patience and clear communication.
What truly sets Joven apart is his dedication. He didn't just disappear once the contract was signed; he was even present by our side for the closing to ensure everything went flawlessly. We highly recommend Joven to anyone looking for a reliable, hard-working agent who truly cares.
Working with Joven has been one of the best decisions I made during my mortgage process. His knowledge, professionalism, and dedication are on another level. Joven explained everything clearly, was always available, and genuinely cared about getting me the best outcome.
There's honestly nobody like him in this industry — he goes above and beyond, every single time. If you want someone who actually has your back and makes the process stress-free, Joven is the person you want to work with. Highly recommend.
It truly takes an exceptional experience for me to take the time to write a review, and Joven has absolutely earned it. From my very first call with him, I knew I was in excellent hands. Joven was attentive, professional, and genuinely interested in understanding my backstory, my financial goals, and what I wanted to achieve with my mortgage moving forward.
What stood out most was his willingness to go above and beyond—not only handling the mortgage details flawlessly, but also helping with additional important matters related to my file. His attention to detail and ability to "work the numbers" truly feel like magic. He stays on top of market rates, keeps me updated, and remains proactive in making sure my needs continue to be met even after everything is finalized.
It's rare to find someone who combines deep expertise with such genuine care and dedication. Working with Joven has been a truly comforting and stress-free experience. If you're considering reaching out, make that call—you'll see exactly what I mean and you'll remember this review once you've spoken with him.
Thank you again, Joven, for all your help and for making the entire process such a positive one!
How we can help
More than a rate. A strategy.
I plan around your short-term needs and your long-term goals, then choose the mortgage product that saves you the most along the way.
Going straight to your bank
- One lender, one set of products, one answer
- Conversation starts and ends with the rate
- A renewal letter shows up and you sign it
- A different person every time you call
Working with Joven
- Options across the market. Banks, credit unions and alternative lenders compete for your file.
- Strategy, not just a rate. Penalties, prepayment privileges, term and amortization matched to your plans.
- Everything explained plainly. No pressure, no jargon, no surprises at signing.
- With you after closing. I keep watching rates and reach out well before your renewal.
Monthly Mortgage Tracker
Your mortgage, checked every month.
Every month, a full report on your mortgage lands in your inbox: your balance, the equity you've built, how your rate compares to today's market and what it would cost to break your mortgage early.
Behind the scenes, I run the numbers to see if there's a real opportunity to save. Your bank won't call you when the market moves in your favour, but I will.
- A detailed report in your inbox every month
- Your rate vs. today's market
- Penalty and savings calculated for you
- A call from me when it's time to save
Start tracking my mortgage
Free. No obligation.
Your monthly mortgage reportFrom Joven Gill
New
Equity overview
Your equityRemaining principal
Payment
$3,842
Illustrative
Savings idea
~$312/mo
Example only
Renewal reminder I'll reach out well before your term ends.
Your real dashboard is personalized from the details you share, not generic estimates.
The process
From first call to keys.
- 1
Discovery call
A quick call about your goals and timeline.
- 2
Pre-approval & strategy call
We review your options and build your plan.
- 3
Shop lenders
I compare 30+ lenders to find the right fit.
- 4
Approval & closing
I handle the details through to your keys.
FAQ
Common questions.
Still have a question?
Text or call me directly. You'll get a real answer, usually the same day.
778-835-9984Does it cost anything to work with a mortgage broker?
For most residential mortgages with approved lenders, no. The lender pays the brokerage when your mortgage funds. In some cases, such as private or specialized lending, a fee may apply. If so, you'll know about it upfront and in writing before you commit to anything.
Why use a broker instead of going to my bank?
Your bank can only offer its own products. I compare options across banks, credit unions and alternative lenders, then match the terms to your plans: prepayment privileges, penalty structure, portability and more. The rate matters, but so does everything else in the contract.
How much do I need for a down payment?
The minimum is 5% of the first $500,000, plus 10% of the portion between $500,000 and $1.5 million. Homes over $1.5 million need 20% down. With less than 20% down, your mortgage needs default insurance (e.g. CMHC), which is added to your mortgage balance.
When should I start thinking about my renewal?
About four to six months before your term ends. Many lenders will hold a rate for 120 days, which protects you if rates rise while we shop. Switching lenders at renewal is common, and I handle the paperwork.
I'm self-employed. Can I still qualify?
Yes. Many lenders have programs for business owners. Some can consider your gross business income or add back certain write-offs, and alternative lenders offer flexible options when traditional income documentation doesn't tell the full story. The key is presenting your file to the right lender.
Will getting pre-approved hurt my credit?
A credit check is part of a pre-approval, and it may have a small, short-lived effect on your score. Because I shop multiple lenders on your behalf with one application, you avoid multiple separate inquiries from applying at several banks yourself.
How long does a pre-approval last?
Most rate holds last 90 to 120 days depending on the lender. If you haven't found a home by then, we can refresh it. If rates drop in the meantime, you get the lower rate.
Let's talk
Let's talk about your mortgage.
No pressure, no obligation. Tell me where you're at and I'll show you your options.
Send me a message
I'll get back to you within one business day.