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!

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."

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.


Meet 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.


We bring together different areas of expertise. Kaela with her exposure to real estate and experience in sales, along with Krystal's many years in the finance industry make us a unique team.


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 here and are looking forward to raising a family of our own one day.


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.


Another Emergency Rate Cut!

March 28, 2020

Emergency Rate Cut!

March 14, 2020

Bank of Canada Decreases Rates

March 4, 2020

Please reload


“They have great experience in all mortgage matters. They were so helpful and took the time to help us find the best options for us. They had a lot of great contacts for lawyers, insurance brokers, etc. They were always very patient with us as we had a lot of questions. They responded quickly to all our emails and was able to comprehend them even with our language troubles. For us, as New to Canada and First Time Home Buyers, we would recommend The Mortgage Duo to everyone. It was a great experience to work together with these two ladies. You were here when we needed you the most. Thank you again!”

Rolf & Eveline F.  |  New to Canada 

Thank you Krystal and Kaela from The Mortgage Duo for the help, guidance and hard work you put in with getting me a mortgage for my first home. You made me feel very comfortable in a stressful time, and were very personable and easy to talk to. I would highly recommend anybody looking to get a mortgage to contact the Mortgage duo, as I had a great experience.

David N.  |  First Time Buyer 

This was my first time using a mortgage broker, so it was nice to not stress wondering if I’m getting the best deal with this bank or that bank. Really appreciated you coming to our house for appointments during business hours or evenings.  After my initial conversation with you, you were very knowledgeable as well as professional, it was all easy sledding from there. I like the fact that you do the homework for us to find the best rates and options that work best for my family and then present the best option(s) to me. Very personable, you managed to take the brunt of the stress away when mortgage hunting, returned our phones calls promptly and met all deadlines on time, you definitely went the extra mile.

Terry & Victoria D.  |  Client

Our Team

"Give us a call, email, or text.

 We would love to hear from you!"

Krystal Smith

Mortgage Broker


Kaela Fraser

Mortgage Broker


"We work as a team so feel free to contact either one of us!"



Toll Free

Hours of Operation


8:00 am - 8:00 pm

7 Days a Week!


We work Evenings, 

Weekends, & Holidays!

Amanda Enyedy

Administrative Assistant


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!

Co-op Mall 
#113 10200 8th St. 
Dawson Creek, BC
V1G 3P8
Office Location in Dawson Creek
Office Hours
Mon - Fri 
10am - 5pm

Send us a Message!


© 2015 by The Mortgage DUO. Proudly created with

Krystal  250.219.3861
Kaela  250.219.3862
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