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Meet the team

Let’s be honest—mortgages aren’t exactly anyone’s idea of a good time. That’s why we’ve made it our mission to take the stress, confusion, and late-night Googling out of the process. Instead, you get straight answers, real support from humans who genuinely care.

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We’d love to help you find the right mortgage without losing your sanity or your sense of humor along the way!

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The Duo

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Kaela Fraser

Mortgage Broker / Broker Owner

250.219.3862

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Krystal Smith

Mortgage Broker / Broker Owner

250.219.3861

Mortgage Associates

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Danielle Wilson

Mortgage Broker Associate

250.219.3555

Support Staff

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Kayla MacIsaac

Office Administrator

250.219.9490

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Our Story

The Mortgage Duo started in 2014 with two twin sisters, one shared dream, and absolutely no idea where it would eventually take us.

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For as long as we can remember, we always talked about starting a business together. We loved the idea of building something of our own — something that would allow us to have careers we were proud of, while still having the flexibility to be present for our families and, eventually, be moms.

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Somewhere along the way, what started as a dream of working together became something we genuinely fell in love with.

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We realized that getting a mortgage can feel overwhelming. There are big decisions, unfamiliar terms, a lot of moving pieces, and often a lot of emotion tied to it. We found so much purpose in being the people our clients could lean on through all of that.

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We wanted our clients to know they could call us with the questions they were afraid were silly. That we would explain things until they made sense. That we would be honest with them, advocate for them, and do everything we could to make sure they never felt like they were navigating the process alone.

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Over the years, our clients have trusted us with some of the biggest moments in their lives — first homes, dream homes, investment properties, fresh starts and everything in between. That trust has shaped The Mortgage Duo into what it is today.

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And now, more than a decade later, we're starting another chapter.

We're growing The Mortgage Duo into a team of mortgage professionals who share the same values we've built this business around from the beginning: knowledge, honesty, hard work, and genuinely caring about the people behind every mortgage.

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Our team may be growing, but the heart behind The Mortgage Duo isn't changing.

We started this business together because we wanted to build a life and career we loved. We stayed because we discovered how much we love helping people.

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And we're incredibly excited to see where this next chapter takes us.

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