Easy as 1, 2, 3...

Before you start shopping for a home or sign that mortgage renewal, come see us!

















"We will help you navigate through the obstacles and manage every transaction with the real estate agent, lender, appraiser, credit agency, and lawyers.

We will help identify applicable penalties, fees, and charges with respect to various mortgage products so that you can make the most informed decision on your mortgage."

Keyboard and Mouse

Mortgage Brokers

Servicing Northern BC & AB


We have access to a wide variety of lenders including banks, monoline lenders, and private lenders. Our job is to match you with the mortgage that is right for you. This is what we do best!


We work for you, not any one bank, so we can give you unbiased advice that will be in your best interest. Along with guiding, educating, and assisting you through the entire process.

And...Our services are FREE!

Quiet Desk

Now Offering Virtual Meetings

Why Use a Mortgage Broker?

This is a question that has been commonly asked by many who do not yet know what the role of a mortgage broker is.



the Duo

Hi! We are The Mortgage Duo


We are your Northern BC & AB mortgage experts, Krystal Smith and Kaela Fraser.

Our services are here to remove your stress, confusion and wasted time associated with finding the right mortgage. Bringing a high level of customer service is the most important thing to us. In other words, when you call - we answer.


Our goal is to get you to your goal. After getting to know you more and a full understanding of your needs, we will give you clear and direct advice on your options. Not only will we make sure you have a mortgage that best fits your needs, we will also be there to facilitate everything from start to finish - and then some.  After you obtain your mortgage, we will continue to support you with any questions or changes you would like to make.  We want you to think of us as your lifetime mortgage consultants.


We are both home grown in Dawson Creek, BC! And love living in a place where it only takes five minutes to get anywhere and our idea of 'rush hour' would make other's laugh.  We have both settled down and are very happy to be raising our families here!


Thanks for visiting our website!


Our Services


Ready to make an offer on

a home?


  • Pre-Approval

  • First Time home Buyers

  • Programs for self-employed

  • Rental investment property

  • Condos and Duplexes

  • New to Canada


Most homeowners simply sign the lenders renewal without shopping for the best rate

and terms.


  • No cost switch program

  • Don't leave money on the table, make sure you know what options are out there before you renew

  • Let us do the shopping for you


Need to take advantage of the extra equity in your home?


  • Consolidating high interest debts

  • Lower your monthly payments

  • Take advantage of a new lower rate

  • Going through a separation or divorce

  • Renovating or landscaping

Mortgage Planning

If owning a home is one of your goals, come and see us now. Qualifying for a mortgage is becoming a lot more difficult in Canada. Start early on your financial plan so you are well prepared when the right opportunity comes along. 

Credit Management

Your credit is one of the largest factors in qualifying for a home. Whether you have bad credit, no credit at all or just have no idea about credit in general, we can help you put the right steps in place so you will be on track to buying a home.

Cactus Plant


Kaela Fraser represented us to get this

mortgage renewal.

We contacted her because our son had a good experience and got a great rate.


Kaela went above and beyond any expectations. She was courteous and professional from start to finish. She was easy to contact with quick response times. She listened to our concerns and needs and addressed those. She made the process easy and everything went off without any problems or confusion.


I would recommend her services to anyone needing mortgage services and will contact her in the future for any financial needs. In fact, when we needed to renew our home insurance, she also did that for us. Again, was easy AND she got us a better rate with more coverage!


Thank you Kaela. It is not often that someone stands out for such amazing customer service - but you certainly do.

Chris & Heather  |  Renewal

If you are buying a house, Kaela is there for you. She is pretty much available around the clock to answer your questions and will help you through the process step by step. Her communication is clear and concise, you will always get a satisfying answer and she keeps you up to date on all processes.

Kaela did more than what I thought a mortgage broker could do. When we had difficulty pleasing a lender, she arranged a last minute contractor to look at the house. When there was a possibility of delay, she informed everyone who needed to know for us. She provided us information and guidance on everything from mortgage approval to setting up our utilities.

The most convenient part? The whole process was done via emails, phone calls, and the online Loan Portal. We didn't have to drive to Dawson Creek (from Chetwynd) all the times we needed to sign papers or ask questions. I'm not even sure if Kaela knows what we look like.

Thank you Kaela for helping us achieve a 30 day sale!

Jacob & Kelsi  |  First Time Buyers

Kaela was such a help in our remortgaging. She made the process quick and easy. Doing the whole thing online through their portal was so much easier than having to make appointments and take time off work to sign everything. We will absolutely be recommending them and will use them in the future if the need arises

Thomas & Jacquelyn  |  Refinance

Couldn't have been easier!!

I would highly recommend the Mortgage Duo to anyone I know looking to get approved for a mortgage.


My wife and I have been looking to purchase our first home for a few years now and had been to various financial institutions locally. The options we had been offered by other institutions did not match our needs. After doing some research on mortgage brokers we decided we would stop in and see if The Mortgage Duo could offer us what we needed.


The whole process from start to finish was painless and stress free thanks to Krystal and her team’s knowledge and expertise. She answered any questions we had promptly and explained the whole process to us first time home buyers in an easy to understand manner. She led us through the process step by step and was always available for clarification on any details we didn't understand.


The service we received was far more than we had expected. She coordinated everything in every aspect and ensured the process went smoothly and stress free. That holds a lot of value In today's busy lifestyle where a lot of people don't have the ability, time or knowledge and resources to organize each step without headaches.


The Mortgage Portal is one aspect of their services that made it so simple and easy for us. Any communication between us was easy to access and all documents and particulars are available at the touch of a finger.


It really felt like we truly had someone working for us and doing their best to make this new-to-us process painless and easy to understand. We are now owners of a beautiful home and will continue to have access to The Mortgage Duo's service long past our closing date and throughout the life of our mortgage. Very satisfied clients :)

Dustin & Amanda  |  First Time Buyers

We don’t know what we would have done without Krystal! She was available whenever you needed to ask questions, and for us as first time home buyers we had a lot of them. The home buying process was very clearly laid out, step-by-step and she helped us choose a mortgage that suited our needs.


The Mortgage Duo is an exceptionally professional business to work with, and the service goes above and beyond. The customer service you get when you choose a business like Mortgage Duo doesn’t exist anymore and it made the experience far less stressful than we could have imagined. We are so very happy that we went with Mortgage Duo, and will be recommending their service to everybody!

Alysha & John  |  First Time Buyers

Contact Us

"Give us a call, email, or text. We would love to hear from you!"

Kaela Fraser

Mortgage Broker



Krystal Smith

Mortgage Broker




We are your Northern BC & AB Mortgage Brokers!


We are local to Dawson Creek and are currently servicing the surrounding area, such as Tumbler Ridge, Chetwynd, Fort St. John, and Grand Prairie. Although this is the area we specialize in, we are not limited to it. We can provide our service to anyone across Canada.

With the oil and gas being a prominent part of our industry, We know that there is no such thing as 'normal hours', so please feel free to give us a call in the evenings or on the weekends as well, we would be more than happy to take your call!

Hours of Operation


8:00 am - 8:00 pm

7 Days a Week!

Mailing Address

PO Box 2720​

Dawson Creek, BC

V1G 5A1

© 2015 by The Mortgage DUO. Proudly created with Wix.com

Krystal  250.219.3861
Kaela  250.219.3862
Email  info@themortgageduo.ca
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