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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 5pm

Joseph Kwan, CPA, CA Mortgage Agent

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Canada
Richmond Hill, ON
Joseph Kwan, CPA, CA Mortgage Agent

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I am both a Mortgage Agent and a CPA, CA. This unique combination allows me to provide financial kn www.instagram.com/jkwanmortgage/

10/22/2026

7 years brought on a lot of changes

-2 businesses with many working relationships/friends made
-parenthood
-Kawhi left and came back

Looking forward to what’s to come in the next 7 years

10/18/2026

Meet your Porsche Brand Ambassador 😂

10/08/2026

🎊Congrats to my first time homebuyer clients on closing of their semi-detached home in Markham.

The clients initially spoke a big bank who got them pre-approved for a mortgage amount that was not enough for a freehold townhouse in Markham, which was their goal. They have a baby on the way, so they were in a big rush to make a move.

I was then introduced to them by their realtor (more on this below). On our first consultation call, I already knew they would qualify for a way bigger mortgage amount. After running the numbers, I got them pre-approved for $200k more! 😱

The end result? The clients got more than what they wanted: A beautiful semi-detached home in Markham that they can grow their family in. The process took less than 2 months from start to finish.

Shout out to the realtor partner on this collaboration Jaro Lai. Not only is he a business partner, he’s also my best friend, best man, and I’ve only known him for over 30 years. 🤣 Never had I ever imagined we would be working together when we were growing up. Grateful and blessed for the opportunity!

10/06/2026

Nothing makes my day quite like this! ⭐⭐⭐⭐⭐

I am absolutely thrilled to see this incredible feedback land on my Google page. Helping my clients navigate the mortgage process smoothly and confidently is exactly why I do what I do.

Every mortgage journey is unique, and being trusted with yours is the highest compliment I can receive. A massive thank you to my incredible clients for sharing their experiences! 🏡💼

Thinking about buying, renewing, or refinancing? Let’s find the right strategy for your goals.

📲 Click the link in my bio to book a free strategy call, or send us a DM to chat!

09/29/2026

🎊Congrats to my clients on closing of their detached home in Newmarket!

It’s one of the longest closing I have been a part of (4 months+). Throughout the process, I stayed in touch with the clients to ensure every milestone has been met before we got to the finish line.

On to the next one!

09/09/2026

👏Congrats to my clients on purchasing their dream and forever home!

⏳It’s been a long journey since we started working together 3 years ago. Their income situation changed significantly since, becoming business owners, and the biggest challenge is to find a lender that understands their complex income situation, and reasonably provide funding based on their true borrowing power.

The timing of the mortgage application process had to be perfect, and I made sure that was the case. This is one of those files that I’ll always remember when I look back in my career. Thank you to my clients for their continued trust in me throughout the process.

07/02/2026

Mortgage planning and tax planning go hand in hand, especially if you are a business owner or self-employed.

At Rethink Mortgage, we look at both sides of the equation for your financial well being. ⚖️

06/19/2026

The mortgage renewal cliff got the attention. The renewal tidal wave may be the bigger issue.

Because of heavy buying and refinancing in 2021-2022, plus the shift to 3-year fixed terms in 2023-2024, many mortgages are now renewing at the same time. That can mean longer timelines and more pressure on the process.

Takeaway: if your mortgage renews in the next 2-13 months, call us early.

02/26/2026

I share my tax filing experience and why timing matters. After filing my 2024 taxes on April 30th and waiting 8 weeks for my notice of assessment, I learned an important lesson. In 2025, I filed my personal tax return immediately when e-filing opened and received my notice of assessment right away. I discuss how filing taxes early is crucial, especially if you’re applying for a mortgage, since lenders often require your notice of assessment. Delaying your tax filing could jeopardize your mortgage approval timeline.

NoticeOfAssessment TaxTips PersonalFinance EFiling FinancialPlanning

02/10/2026

Per ChatGPT’s caricature of me - yes I’m a number cruncher 🧮 - as a full time CPA firm Managing Partner and a full time mortgage agent

Address

8-175 West Beaver Creek Road
Richmond Hill, ON

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+16472742982

Website

https://linktr.ee/jkwanmortgage

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