Welcome To My Mortgage Kitchen

Hi! I’m Chef Kal. A professional chef, mortgage agent, radio talk-show mortgage expert, and philanthropist. My Mortgage Kitchen is always working on new recipes to you get the best mortgage possible. I have the tools & resources to help you reach your goals.


Rating: 4.5 out of 5.

I always appreciate Kalvin’s informative and honest approach. I’ve referred him to our sales reps, and had him give mortgage updates on our radio show 100.7 CHIN FM multiple times. Kimberly Phinney, Royal LePage Real Estate, Loretta Phinney Brokerage

Kimberly | Mississauga, ON

Rating: 5 out of 5.

A realtor friend of mine, referred me to Kal recently, to refinance my mortgage.  He told me that he has referred several of his clients, and has only had great feedback.  I was not disappointed. As a single mom (and definitely not a ‘numbers’ person), having to refinance to clear debt, with the potential of moving in near future (not to mention the unease of the world around us at the moment), needless to say I was a little overwhelmed at the whole process.  I just wanted to make sure I would be ok in the end. Kal was great!  He was patient, and answered all of my questions.  He guided me through the whole process step by step.  It didn’t take long for me to feel more relaxed and have faith and trust in Kal.   I ended up with a great rate, and a smooth transition.  I would recommend Kal to anyone, and will be calling him again when I move.   Thank you Kal

Tracey | Burlington, ON

Rating: 5 out of 5.

As a first-time buyer, I had a ton of questions (and nerves) about the entire process. Like so many millennials, I was woefully unprepared, perhaps even naive, about the steps it took to making one of the biggest purchases of my life. I can’t imagine trusting anyone else with such a huge financial decision. His inimitable way of conducting his business is refreshing and honest. Kal’s unwavering patience is the hallmark of his work. For so long, I felt locked out of the real estate market as a single person living with my parents, and working long hours in the city. Given the mounting obstacles to home ownership, I didn’t think I’d ever qualify for a mortgage. But Kal made it happen. He will relentlessly look out for you, every step of the way. He also went to great lengths to secure the best appraisal for my condo. Moreover, my financial literacy was shaky — at best. There was never a time I couldn’t call him so he could school me on the mortgage stress test, Bank of Canada rates, or how to read a credit score. Kal empowered me to feel confident in my choices — and I know he’d do the same for anyone else.

Alisha | Kingston, ON

Rating: 5 out of 5.

Kal has been outstanding when coming to thinking-out-of-the-box on the purchase of our dream house. He came up with a plan to refinance existing assets allowing us to proceed with the purchase, which none of the many other brokers we consulted thought about. He worked night and day towards making it happen with tight deadlines, and was always available with reassuring advice. I have recommended Kalvin many times since, and will continue to do so. Kal is a chef, not only in the mortgage industry, but at home when baking delish cookies for his clients!

Margaux & Odin | Toronto, ON

Rating: 5 out of 5.

I used Kalvin to help with my first Mortgage. He was recommended by my agent and couldn’t have been better. As a first time home buyer, I was very nervous and Kal was very patient and made sure I understood everything that was going on. Thank You Kalvin for helping me purchase my first home!

Andrea | Burlington, ON

    Have a seat at the table in My Mortgage Kitchen. I’m always cooking up ways to get the best rates. Dig in and get your serving!
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