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Expert insights and practical guidance on Canadian immigration, family law, real estate, and estate planning
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On a scale of 1 to 5, how much do you need to declutter?
DECLUTTERING Houses in Toronto could be difficult to maintain and organize. You may need to consider decluttering. I used to be so organized, but there are moments that organizing is a hard thing to do. Have you experienced that after traveling or came from vacation, you have some things or new things you bought from…
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Post-Graduation Work Permit (PGWP) Canada 2026: Complete Guide for Filipino Students
Guide to Post-Graduation Work Permit (PGWP) eligibility in Canada. Updated 2026: PGWP rules changed significantly — eligibility now tied to labor market needs. See our updated student program changes guide.
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Canada Temporary Work Permit
Temporary Work Permit Every year, thousands of foreign workers come to Canada holding a temporary work permit. As we all know, there are several steps before you could enter Canada as a worker. In general, the employer needs to secure the LMIA Approval and the worker needs to secure his work permit. In between those…
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LMIA Canada 2026: Complete Employer Guide for Hiring Filipino Workers
Guide to Canada’s Labour Market Impact Assessment (LMIA) process for employers hiring foreign workers. Originally published 2019 — contact JCA Law Office for current requirements and processing times.
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12 Steps: A Newcomer-in-Canada Checklist
Once you’ve arrived and stepped off the plane, here are the to-do list to guide your first steps in Canada: 1 INFORMATION KIOSK: Before you leave the airport, look for the newcomer welcome center. The Toronto Pearson International Airport has the Immigrant Reception and Information Services (IRIS) kiosk and the Vancouver International Airport has the…
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17 Million people have immigrated to Canada since 1967
Canada is a nation of Immigrants Canada is a nation composed mostly of immigrants. If you’re not indigenous, then you or your family originally came here from another country like the Philippines, China, Korea, Brazil, France, Egypt, Iran, and Saudi Arabia and almost all over the world. In fact, 17 million people have immigrated to…
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Income needed to pass the stress test
Numbers Assume a 2.99% 5-Year Fixed Mortgage Rate Wth a 25-Year Amortization. The average price of a home in Canada is $491,000 according to the Canadian Real Estate Association (CREA). And if you take out Toronto and Vancouver, the national average is slipped to 2% in the last 12 months. Under the new Mortgage Stress…
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How To Stress Test Your Mortgage
What are the things do I need to consider before engaging to real estate or mortgage? I was thinking to buy a house, and I have so much thinking and planning to consider. I need to assess myself if I could afford it and layout all the possible worst-case scenario in case something happened due…
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Mortgage Stress Test Expanded to more Homebuyers
On behalf of JCA Law Office on Friday, July 20, 2018. Until this year, homebuyers needed to buy mortgage insurance if they could only afford to pay between five and 20 percent of the price of the property in their down payment. Only these homebuyers had to pass the stress test before they would get…
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