Joseph Kwan, CPA, CA Mortgage Agent

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

02/08/2026

02/04/2026

🎊Congrats to my first time homebuyer clients on closing of their freehold townhome in Markham.

The clients initially spoke to their mortgage agent who got them pre-approved for a $600,000 mortgage. They were very disappointed, as their goal was to purchase a freehold townhome in Markham, they needed a much bigger mortgage amount. With $600,000, they could only afford a condo townhome at most in Markham with their finances.

I was then introduced to them by their realtor. 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 $1M, a $400k difference! 😱

The end result? It’s a WIN-WIN situation! 🙌

Realtor - He didn’t waste time showing them homes the clients didn’t have their hearts set on, bigger commission on a $400k extra in purchase price.

Clients - They got what they wanted all along: A beautiful freehold townhome in Markham that they can grow their family in. Not to mention, they got a much better mortgage rate then they were offered initially.

Moral of the story: Not all mortgage agents are the same, it’s truly matters who you work with. 😉

markham richmondhill yorkregion torontomortgagebroker gtarealtor torontomortgage beautifulhomes beautifulhouse homesweethome mortgagetips firsttimehomebuyer homeinspiration homeownership homebuyer homestyledecor

09/19/2025

What an experience! So blessed with the opportunity to push the limits of the 992.2 Carrera S at PEC Toronto. Definitely feel like I’m now a better driver after this!

08/22/2025

New 5 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️ review!

Peter, thank you for your trust!

08/21/2025

✨ Getting a mortgage doesn’t have to be complicated if you’re self-employed or a business owner.

You don’t need:
❌ Notice of Assessments
❌ Tax Returns
❌ T4 Slips

✅ Simple, flexible, and designed for entrepreneurs just like you.

If traditional lenders are making it difficult, there’s an easier way to make homeownership happen. 🏡

📩 DM me to learn how you can qualify today!

01/15/2025

Back to back! Top Volume for 2023 and 2024!

I’m honored to be the recipient of the Top Producer Awards (Top volume and # of deals) for 2024! This is not possible without the support of my clients, my business partners (realtors, lawyers, appraisers, etc), and last but not least the Caliber team!

Despite the market conditions in 2024, volume funded increased 30% year-to-year, thank you to the wonderful realtor partners I’ve worked with. I’m grateful for our working relationship, as well as friendship. It is such a joy working with you to grow our businesses together, and to see our clients happy with their new homes!

To my wonderful clients, I appreciate everyone of you, having the trust in me to work with you on one of the biggest if not the biggest purchase of your lives.

Thank you everyone for being part of the journey, and I look forward to what the future brings!

01/03/2025

2024 review in the Canadian housing market and looking ahead in 2025.

12/25/2024

Merry Christmas everyone! 🎁🤶🎄

12/14/2024

This change allows home buyers to purchase a property between $1M to $1.5M with less payment, as well as access to 30 year amortization, making mortgage payments more affordable.

If you are in the market for a property in this price range, you need to be aware of the differences between having a down payment of less than 20% and more than 20%, depending on your specific situation. Reach out to a mortgage professional to find out the details!