About Us

— About Me

Karwen Wu

Mortgage Agent 1 | Licence #M23008143

With over five years of experience in financial services, including nearly half a decade as a licensed mortgage agent, I am dedicated to helping clients find mortgage solutions customized to their specific goals. From first-time homebuyer programs to refinancing and investment properties, my in-depth knowledge of the mortgage market allows me to provide expert guidance and access to competitive rates.

Schedule a Call

Building Canada's premier digital mortgage experience.

A comprehensive mortgage solution: guiding you from the first step to the final drawdown, with support and expert advice.

Home buying, simplified.

I will find you best mortgage and guide you through.

Easy mortgage switching.

Save more by switching your mortgage let us handle the work.

Mortgage resources

We offer flat legal fees and a Home Buyer Helper to keep things simple.

Simple: we find the right mortgage for you.

We know that great things happen when realtors and mortgage experts work hand in hand. Our partnership is built on trust, transparency, and shared success—helping you offer your clients the best financing options and a stress-free buying journey from start to finish.

Schedule a Call

Why Choose Us

Expert Guidance

We provide professional advice and support throughout your mortgage journey, ensuring you make informed decisions about your financial future.

Client-Focused

Your success is our priority. We work tirelessly to understand your needs and find the best mortgage solution for your situation.

Market Knowledge

With deep understanding of the Toronto and GTA markets, we help you navigate the mortgage landscape with confidence.

Apply now, sit back, and let us reshape your path to mortgage success!

Apply Today

What the say About our services

C. Bennet.

“I trust Dustin and Keith with all of my clients as they do an amazing job”.

D. Bosch

“Keith and Dustin are really knowledgeable. Made for a great experience while buying our new house. Have referred them to friends and family”.

Any questions? We got you

We offer various mortgage types, including:
 
  • Purchase mortgages
  • Refinancing
  • Mortgage Renewals/Switch/Transfers
  • Self-Employed & Business-Owner Mortgages
  • New Construction & Pre-Build Financing
  • Private & Alternative Lending
  • Reverse Mortgages
  • Second Mortgages & HELOCs
  • Bridge Financing
  • Debt Consolidation Strategies
  • Investment Property Financing
  • Budget & Cash Flow Planning
  • Credit Improvement Guidance

The process usually takes 48 - 72 hours depending on the complexity of file from application to approval, but this can vary based on individual circumstances.

You payment typically includes principal and interest (P&I). In some cases property tax can or will be added to the payment (PIT).

Yes; we offer in-person consultations. Contact us to book an appointment

Qualification depends on factors like credit score, income, debt-to-income ratio, and down payment.

You can apply for your mortgage by clicking here. Alternatively, you can meet the my Team and apply directly with one of our agents.

Rates are influenced by market conditions, your credit score, loan term, and down payment amount.

Depending on the terms of the mortgage, you can pre-pay a maximum of 10% to 20% annually based on your original principal balance. Reach out to us for a no-obligation review of your Mortgage Agreement.