Sharon Lee

My boyfriend and I were first time home buyers, and Joseph was an immense help to us, as we had very little knowledge to start with. He took his time and described each process with us, and helped us find the best rate for our situation, explaining in detail, the benefits and differences of fixed rates and variable rates. As first time buyers, we had many questions and Joseph was quick to respond in detail. We highly reccomend having a conversation with him, and using his services.

Alexander Chan

I am very happy that Joseph helped me renew my mortgage with a very good rate. The service he provided was exceptional. He is professional, honest and trustworthy. I highly recommend Joseph if you are looking mortgage renewal or new mortgage.

Soby Ho

Joseph is very professional in mortgage. Our situation was complicated but he still tried every possible way to help us out. He also gave us quick responses no matter how late it is.

Jessica Chow and Alexander Chan

7 months after Joseph helped me renew my mortgage, my wife and I decided to sell the house and buy a new home. Thanks to Joseph’s advice on going with variable mortgage after mentioning our wish to selling and buying new home in the future, we saved a lot of money from potentially breaking a fixed mortgage with high penalty. We went back to Joseph for the new mortgage application. He continued providing exceptional services and professional advices. He was able to get me an exceptional rate. I highly recommend Joseph if you are looking for new mortgage.

Jenny Lee

My husband and I received phenomenal service from Joseph while trying to renew our mortgage. He is very professional, knowledgeable, dedicated, super hard working (he would get back to you promptly late at night, on weekends, just whenever you need him), and also really friendly. We knew that he was the ‘right guy’ to work with right after our first phone conversation. The best part of working with Joseph was that he always made everything easy. You can leave everything to him, and not worry a thing! He also explains everything clearly and easily so people like me with almost no knowledge of mortgage can understand as well. I would definitely work with Joseph again in the future. I would highly recommend him!