ABOUT US
Secure your purchase or refinance financing today, with optimal rates, exceptional service
Our Team
Welcome to Dove Mortgages, where our team of mortgage specialists are more than just professionals but rather your partners in the seemingly long journey to homeownership. Although purchasing a new home may seem intimidating, our team of experts understands that buying a home, refinancing, or even consolidating debt aren’t just financial decisions but life-changing experiences.
Main mission
All our team members’ main mission is to provide transparent and personalized mortgage solutions that allow our clients to make informed decisions easily and confidently. With many years of combined experience in the mortgage industry, our professional team is knowledgeable in all aspects of the home-buying and financing process.
Evolving market trends
We stay current with evolving market trends, allowing us to provide you with tailor-made financing options at optimal rates. Whether you’re looking to refinance, an investor, or a first-time home buyer, we’ve got you covered with customized mortgage solutions that fit your financial goals and unique needs.
Long-lasting relationships
Dove Mortgages is all about building long-lasting relationships based on reliability and trust. We approach every client as though they were our only client. As industry professionals, we recognize the importance of taking the time to provide each client with in-depth consultations and solutions for all mortgage and home financing-related issues.
Mortgage process as stress-free
Our team is here to make the home buying and mortgage process as stress-free and smooth as possible. It’s not just about providing mortgages but more about giving peace of mind, knowing that you have compassionate and knowledgeable mortgage experts in your corner. To help you understand who we are, let’s discuss Dove Mortgages’ cover values.
Shabnam Gill
Mortgage Broker
When you work with Shabnam Gill, you are partnering with one of the most decorated mortgage professionals in the country.
Recognized as the 2021 Young Achiever of the Year, Shabnam’s rise to the top of the industry is fueled by a simple mission: providing elite-level financial clarity to every client she serves.
As the founder of Dove Mortgages, Shabnam leads a dynamic team dedicated to seamless closings and tailored advice. Her expertise goes far beyond the numbers—it is found in her ability to manage every moving part of the mortgage journey.
From high-level negotiations with bank underwriters to meticulous collaboration with real estate lawyers, she ensures your path to property ownership is handled with the sophisticated oversight and care that only a seasoned industry leader can provide.
Kiran Kaur
Underwriting/Fulfillment
Kiran is the strategic force behind the seamless execution of every file at Dove Mortgages. With a specialized focus on fulfillment and underwriting, she ensures that the transition from “approved” to “funded” is flawless.
Kiran meticulously analyzes every application, assessing creditworthiness and navigating complex compliance requirements to protect our clients’ interests.
Her deep understanding of lender guidelines means she doesn’t just process paperwork—she anticipates challenges before they arise, ensuring a stress-free path to the closing table.
Kate Cherevko
Administrative Assistant
Efficiency and organization are at the core of Kate’s role at Dove Mortgages. Tasked with managing the firm’s vital administrative functions, Kate ensures our internal workflows remain seamless and productive.
From coordinating high-stakes meetings to overseeing the meticulous intake of client information, she provides the operational support necessary to maintain our elite industry standing.
Kate’s proactive approach to office management means our clients benefit from a faster, more organized experience from start to finish.
Kaye Demi
Operations Specialist
Kaye is the architect of the seamless workflows that define the Dove Mortgages experience.
As our Operations Specialist, she is responsible for designing and managing the internal systems that allow our brokerage to perform at an elite level.
By optimizing every stage of the loan lifecycle from initial intake to final funding, Kaye ensures that our team operates with maximum precision.
Her focus on operational excellence means that our clients enjoy a faster, more transparent, and more reliable mortgage process, free from the bottlenecks common in traditional lending.
Core Values
There are four core values that we at Dove Mortgages operate by to make sure that each and every one of our clients are satisfied: client-focused service, honesty and transparency, innovation and expertise, and reliability and integrity.
Here’s why these core values make Dove Mortgages the go-to option for all of your mortgage needs.
Client-Focused Service
At Dove Mortgages, our clients always come first, so we’re committed to understanding your unique needs. We are here to guide you through every step of your home-buying journey, and our advice is 100% customized and personalized.
We’re here to ensure that your journey to homeownership is as stress-free and smooth as possible. That’s why we focus on building long-lasting and genuine relationships. Being client-focused means that every decision made by Dove Mortgages has your best interest at heart.
Honesty and Transparency
To build long-lasting relationships with our clients, Dove Mortgages knows that honesty is at the heart of that relationship. That’s why every transaction, interaction, and communication features 100% complete transparency.
Everything from the benefits and potential costs to the risks of all mortgage options are clearly explained, so there are no surprises when it comes time to sign on the dotted line. All of our clients deserve to know all of the facts and to be able to make well-informed decisions with both peace of mind and confidence.
Our creed is that honesty and transparency build trust and help avoid misunderstandings. We don’t have any hidden agendas, and thanks to our transparent operating nature, our clients know exactly that.
Innovation and Expertise
The mortgage landscape is constantly changing, which is why choosing Dove Mortgages is so essential. Our team of experts have deep industry knowledge and can devise split-second innovative solutions to help you find the best mortgage options.
Dove Mortgages stays ahead of market trends and uses the latest resources and tools to navigate the complexities of mortgages to find you the most favourable terms.
We’re all about taking a proactive approach to finding you the best mortgages and financial position. A combination of innovation and expertise means that Dove Mortgages can give you the best deal no matter the economic situation.
Integrity and Reliability
The last of our four core values, integrity and reliability, is how we operate. These aren’t just words; they are how we do business. At Dove Mortgages, we are committed to upholding the highest ethical standards in everything we do.
We understand that purchasing a new home is one of the biggest decisions you’ll ever make. You can trust that we’ll be with you every step of the way, no matter what challenges may arise.
Client Testimonials Google Review
You don’t have to take our words at face value; rather, listen to what our satisfied clients have to say about their experience with the top mortgage broker, Dove Mortgages.
We are honored to have guided thousands of people through their home ownership journeys. Read their stories and discover how Dove Mortgages has helped make their dreams come true.
How We Work
Navigating the world of mortgages is challenging when you have to do it on your own, but that’s exactly why Dove Mortgages is here: to make the process as stress-free, straightforward, and simple as possible. Our process is as simple as can be. Here’s how it works:
1. The Initial Consultation
The process starts with a simple and complementary consultation to understand your needs and financial goals. In this meeting, our experienced mortgage professionals will take as much time as necessary to understand your preferences, needs, and situation. We’ll also take the time to answer all of your most pressing questions.
2. Preparing Your Finances and Getting Pre-Approved
The second step in this process is to ensure that your finances are prepared. Don’t worry—Dove Mortgages has you covered there as well. We’ll help you organize all of your financial documents and assess your budget so you can set realistic expectations. We’ll then guide you through the entire preapproval process from A to Z.his meeting, our experienced mortgage professionals will take as much time as necessary to understand your preferences, needs, and situation. We’ll also take the time to answer all of your most pressing questions.
3. Explore the Various Mortgage Options and Find a Home
Once pre-approved, Dove Mortgages specialists will explore all the different mortgage options with you, everything from variable-rate to fixed-rate mortgages. Our team of experts can help you understand which mortgage type best suits your long-term goals and financial situation. While you do this, real estate agents can help you find the perfect home.
4. Complete the Loan Application
Once you’ve found the right home and mortgage option, Dove Mortgages will take you through the loan application process. We’ll guide you through the entire journey so you can complete your mortgage application and all the necessary documents.
Our expert team will help you answer all of your questions, clarify concerns, and ensure that your application is complete and accurate. Dove Mortgages also works closely with lenders to find you the best terms and rates.
5. Approval and Closing
Once the lender approves your loan application, Dove Mortgages will assist you in finalizing the details before closing. We will help you review the terms and conditions, sign the final paperwork, and ensure that you understand all aspects of your mortgage. We’ll be there every step of the way to coordinate with your lawyer, real estate agent, and lender to ensure everything flows smoothly.
Why Choose Us
At Dove Mortgages, we take pride in our extensive knowledge of the mortgage industry, widespread experience, and commitment to providing our clients with the best possible terms and rates.
With a proven track record of success, we’ve positioned ourselves as one of the industry’s most highly trusted mortgage experts. Our team of seasoned mortgage professionals constantly innovates and stays ahead of the curve, allowing us to consistently provide you with the best advice and results possible.
However, our expertise doesn’t stop at assisting clients. We actively contribute to the broader real estate and mortgage community, regularly participating in webinars, interviews, podcasts, and more.
Our contributions to industry publications illustrate our commitment to providing our clients with the knowledge they need to make the best mortgage decisions.
Our Mission and Vision
At Dove Mortgages, our mission is simple: to empower individuals and families alike and help everyone’s home ownership dreams come true through client-focused, transparent, and personalized mortgage solutions.
Our vision is equally as simple: to provide everybody looking to start or continue their home-buying journey with the advice and assistance needed to make the process as smooth and stress-free as possible. Part of this vision is to help everyone find the best possible rates and terms for maximum financial savings.
What You Can Find on Our Site
On Dove Mortgages, you’ll find a variety of resources to help you throughout the mortgaging process, including the following:
Learn About the Mortgage Process
We’ll provide you with expert guidance and comprehensive resources so you can fully understand the mortgage process.
Explore Refinancing Options
If you're looking to assess your home's equity, consolidate your debt, or lower your monthly payments, our expert team can help you do all of that and more.
Discover Investment Opportunities
Dove Mortgages will provide you with strategies and expert insights to help you make the best investment choices when it comes to home buying.
Read Client Testimonials
Here, you’ll find real proof from our satisfied clients detailing their experiences with Dove Mortgages.
Contact Our Team for Personalized Advice
We're here to help whenever needed, always prepared to offer customized advice through a personalized consultation. Contact us today!
Target Audience
Dove Mortgages is here to help all types of homebuyers and investor clients, from first-time home buyers just dipping their toes into the real estate market to seasoned buyers and investors looking to renew or refinance a mortgage.
If you’re looking to consolidate your debts, Dove Mortgages has also got you covered there. It comes down to that, whether you’re seeking a new mortgage, consolidating debts, refinancing your home, or making smart investments, Dove Mortgages can always help you find the best rates.
Timeline of Our Growth
Dove Mortgages was founded in 2019, with the mission to provide first time home buyers and real estate investors with personalized mortgage solutions, focusing on delivering exceptional service over everything else.
In 2020, just one year after launching, Dove Mortgages won the Top Producer Diamond Award for outstanding performance and helping investors and home buyers secure optimal financing.
In 2021, Dove Mortgages once again earned the Top Producer Diamond Award. This time, Shabnam was awarded the Top Performing Mortgage Broker Under Age 35 in Canada due to his outstanding performance.
In 2022, Dove Mortgages won the Top Producer Diamond Award for a third consecutive year, and at this point had served well over 100 satisfied families and investors.
In 2023, Dove Mortgages once again won the Top Producer Diamond Award, this being the fourth consecutive year. In 2023, we also created our secure client portal which helped simplify the mortgage application process.
Most recently, in 2024, Dove Mortgages was granted the honor of being among the top 75 brokers in Canada. This helped establish our reputation as one of the country's best mortgage brokers, both for investors and home buyers.
Why Work with Us?
The bottom line is that Dove Mortgages has one big advantage over banks and other mortgage brokers: the personal touch. Every individual’s level of care and attention at Dove Mortgages is unparalleled.
Let’s go over a few case studies just to illustrate how effective Dove Mortgages is at getting potential homeowners the mortgages they need at the very best rates.
Case Study #1: First-Time Homebuyer Succes
Case Study #1: First-Time Homebuyer Succes
In our first case study, we have a young couple in their late 20s who wanted to purchase a home in Mississauga. They didn’t have much savings and were worried about getting approved for their mortgage.
Their challenge was navigating the complex mortgage application process, and they also weren’t sure exactly how much they could afford. They required a whole lot of guidance.
Dove Mortgages Was able to help the couple get pre-approved quickly, as well as provide them with the understanding they needed to be confident in buying their first home.
Ultimately, the couple is able to secure a mortgage at a competitive rate and move into their dream home, all while leaving us a five-star review.
Case Study #2: Mortgage Refinancing to Consolidate Debt
Case Study #2: Mortgage Refinancing to Consolidate Debt
Our second case study saw a single homeowner with a high interest debt and a mortgage that was ready for renewal. Their challenge was keeping up with monthly payments due to various debts including credit cards.
The solution we came up with was to refinance their mortgage and to consolidate their debt into an easy to manage payment system.
We were able to leverage their home equity and find a lender who offered a lower interest rate, therefore reducing their debt and monthly mortgage payments. Overall, the client was able to reduce their financial burden thanks to the efforts of Dove Mortgages.
Case Study #3: Real Estate Investment Financing for a Growing Portfolio
Case Study #3: Real Estate Investment Financing for a Growing Portfolio
In our third case study, we have an experienced real estate investor who was looking to expand their portfolio with more rental properties and a variety of high-demand areas such as Mississauga Rd.
However, the challenge that this investor faced was securing a loan or financing from a traditional bank due to their challenging income structure and the multiple properties that they already owned.
However, Dove Mortgages was able to provide this investor with expert advice and worked together with lenders specializing in real estate financing.
We were able to structure a loan that allowed this investor to leverage all of their existing equity from their current properties to secure financing for the new investments. Overall, the client was able to purchase 2 new properties within just a couple of months.
Case Study #4: Helping a Family Relocate and Purchase a New Home
Case Study #4: Helping a Family Relocate and Purchase a New Home
In our fourth example, we saw a family looking to relocate to Ontario, but they were unfamiliar with the local housing market and the mortgage application process.
The issue was that this family was under much pressure to find a home in minimal time.
Our solution at mortgages was to provide them with a dedicated mortgage advisor who could help them clearly understand the Ontario real estate market.
The family successfully purchased a new home in Mississauga with absolutely no stress and at a great rate.
Frequently Asked Questions
How Much Do Consultations at Dove Mortgages Cost?
What’s the Difference between a Fixed-Rate and a Variable-Rate Mortgage?
How Long Does It Take To Get Mortgage Pre-Approval?
If you provide us with all the required supporting documents, our experts will pre-approve you in 24 hours.
What Documents Do I Need to Apply for a Mortgage?
For Salaried Clients:
- Two recent pay stubs
- The last two years of T4s
For Hourly, Part-time, or Contract Workers:
- Two recent pay stubs
- The last two years of T4s
- Employment letter confirming guaranteed hourly rate and number of hours
For Self-Employed Clients:
- The last two years of T1 Generals
- Articles of Incorporation or Master Business License
For All Borrowers:
- Equifax credit report that they can get on their own for free
- Two pieces of ID (excluding health cards and SIN)
- For any existing properties: a copy of the current mortgage statement, the latest property tax bill, and the lease agreement (if the property is a rental)
- For those receiving child benefit or pension, a bank statement showing the benefit amount
What does Refinancing mean?
Homeowners may choose to refinance their mortgage for various reasons, including:
- Lower Current Interest Rate — This will decrease your mortgage payments
- Change Time Frame Of Loan — You can re-amortize your loan by increasing the time frame from 25 to 30 or vice versa.
- Change Loan Type — You may want to change from a variable rate to a fixed rate or vice versa.
- Obtain Access Home Equity — A homeowner can pay down their mortgage balance or home value increases, which results in build-up equity.
- For example, if a home is worth $500,000 and the homeowner owes $200,000 on the mortgage, they have $300,000 in equity.
- The homeowner can use the $300,000 for investments, have an emergency fund, use it towards home improvement, or use it towards child education.
What Are the Benefits of Debt Consolidation through a Mortgage with Dove Mortgages?
We will analyze all your high-interest debts (credit cards, personal loans, etc) and strategize which debts to consolidate/combine into one low-interest mortgage payment. This will save you thousands.
