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!

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

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.

Kal has made the anxiety of buying a new home so much easier. He helped us the whole way through the process making sure we understood everything we needed to. He was available whenever we had a question and also made sure we got the best rate available. He is passionate in the work he does and it shows with the quality of service he provides to his clients. We could not imagine going through this process without Kal.

In a field like mortgage brokering, Kal has the integrity and sincerity that truly make him stand out. He looked over our mortgage details with a fine tooth comb. He presented clear actionable tips on how to get a better deal while being completely fair and presenting feasible options. We were able to get a better rate for our existing mortgage, a great HELOC rate. Thanks so much and look forward to working with you again in the future!