Start Your Application

Mortgages feel complicated because they ARE - but you don't have to figure them out alone.

Your Mortgage Shouldn't Fit You Like Someone Else's Hand-Me-Downs.

Your story is yours - and your mortgage should reflect that. With access to multiple lenders and creative solutions, I'll help you find options that actually make sense for where you are right now and where you're headed.

Whether you're buying your first home, refinancing to free up cash flow, or renewing and wondering if there's a better deal out there - I'll walk you through it with clarity, not jargon.

Mortgages Aren’t One-Size-Fits-All.

Neither Is My Approach.

Mortgages Aren't Just About Getting the Lowest Rate

They're about finding what actually works for your life - today, next year, and five years from now. Let's figure out what that looks like for you.

Whether you’re buying, refinancing, renewing, or investing, I’ll help you find a solution that fits your life, not just a lender’s checkbox.

The Right Mortgage for Every Stage of Life.

From first homes to investment properties, I'll help you understand your options and choose a mortgage that fits your plans.

Buying a Home?

Whether you're looking to access equity or improve cash flow, I'll help you understand the pros, the costs, and whether refinancing is worth it.

Thinking About Refinancing?

Before you sign your renewal, it's worth taking a look at your options. I'll help you review what your current lender is offering and whether there is a better fit.

Renewal Letter Just Showed Up?

Across All DLC brokers in Canada

Top 5% Nationwide

I've been lucky to work with incredible clients and build something I'm really proud of. A few highlights from the past couple of years:

2025 Master Club Award | Top 5% Of DLC Brokers Nationwide
2025 Emerging Leader | Mortgage Awards Of Excellence Finalist
2024 Platinum Award | Top 10% Of DLC Brokers Nationwide
2024 Largest Volume Increase | DLC Mortgage Excellence 
2024 Top Newcomer | Mortgage Awards Of Excellence Finalist
2023 Rising Star | DLC Mortgage Excellence 

A Few Things I’m Proud Of

"I was told not to go to a mortgage broker when I was trying to buy a home."

I was told by the banks they had higher interest rates. I found it almost impossible to deal with the bank because I own my own business. I then found Kris. When I say she gave me hope and made me excited to start this new chapter , I’m not lying. She made this process possible . No cosigner(because I own my own business). NO HIGHER interest rates. No hassle. I literally got my cute little home with her through texts , laughs and phone calls. I would advise anyone to go to Kris . Buying a new home can be intimidating but she literally does all the work and you just sit back wowd. LOL.

I cannot thank her enough!

Lynsey K.

"Kris Johnson is one of the most kindhearted and hardworking professionals my husband and I have had the pleasure of working with."

She answered and addressed all of our questions and concerns promptly and professionally. She is very knowledgeable and amazing at her job! Her passion for this line of work really shines through and she goes above and beyond for her clients. Her work ethic is impeccable and she always had our best interest at heart! We are so very grateful we chose her to guide us through the process AND she got us the BEST rates out there!!

If you are in need of a mortgage agent look no further! Call Kris Johnson and you will not be disappointed!

Allison & Andre D.

"10/10 Highly recommend."

I was left feeling pretty hopeless when the bank told me l couldn't get re approved for my current mortgage. I was ready to face the harsh reality of selling my beautiful home. I showed my home to a realtor who recommended Kris and said she is excellent at what she does and he had no doubt that she could help me keep my home. I reached out to Kris over text the following Monday and told her a little back story of what happened, and within two minutes she was calling me saying she wanted to take on my situation. The entire time I was kept in the loop as to what was going on, she found me the cheapest way to go about doing things, and I'm happy to say I am able to keep my home, because of her. I don't think this would have been as smooth of a process if it wasn't for her.

I cannot thank her enough for being there for me and l'll forever be grateful.

Chantal C.

"My husband and I came to Kris after we began having difficulties securing our builder's mortgage through our banking institution, partway into the building process."

We reached out on a whim and it was the best decision we could have made! She was so fast and made the process easy and painless! We appreciate the hard work that she and her understudy's put into helping us secure our mortgage and build our forever home.

Highly recommend, she is terrific!

Madison M.

"10/10 Kris is the BEST mortgage agent."

Similarly to others Kris saved me from losing my house when the banks told me I could not "afford" my mortgage on my own. Lucky Kris worked her magic which allowed me to keep my home. She is always kind, responsive, and is on your side 100% of the time unlike the big banks. She got me the best price and was always honest when the next step may be a little more tricky. She constantly checks in to make sure everything is going smoothly in those stressful times.

Thanks to Kris she has also connected me with other resources so I can successfully be supported financially.

Anyone who feels like they aren't being listened to by big organizations needs a little Kris is their life, woman of the year in my books!!

Haylee C.

"Kris has been absolutely amazing!!"

She is quick to respond and has answered all of our questions. We would definitely recommend her to anyone that has questions about their home. I love that you don't have to wait on hold on the phone and you don't have to talk to someone different every time . We have asked her a million questions and she never seems to be bothered! We will continue to use her.

Jasmine S.

"Kris is amazing!"

We reached out to her, communicated our needs and had tight timelines to meet and she made it happen focusing on our best interests. The process and interactions with Kris were very personable, efficient and she demonstrated outstanding communication. She made the process smooth, was transparent and truly made us feel valued. We have enjoyed our interactions with Kris and look forward to interacting and working with her in the future.

Amanda & Mateusz

"Our experience with Kris and her underwriter, Matt, was nothing short of exceptional."

As first home buyers we were navigating a very stressful and unfamiliar process, but Kris and Matt were incredibly supportive and helpful every step of the way. Kris worked tirelessly to make homeownership possible, and her calm and collected demeanour was especially reassuring when we encountered a few obstacles along the way. Kris was able to accommodate my disadvantage of being on probation at my new job when my bank told me getting a mortgage this soon would be impossible. Matt was incredibly patient with me as I sent several emails forgetting to attach the documents he needed, and his responses were prompt when he received our information. Thanks to Kris and Matt's expertise, our first experience with a mortgage was a positive one. We are deeply thankful for their help and strongly recommend Mortgages by Kris's services.

Pax & Shawn

kind words

Buying, refinancing, renewing - whatever stage you're at, I’ve got the insights you need. Catch my latest Get Reel with Kris episodes on Instagram, where I break down everything mortgages in bite-sized, no-BS segments.

The Mortgage Talk You Actually Want to Hear.

Confused by Mortgage Paperwork? Get Your Free Guide!

Calculate payments, get pre-qualified, and more.

Mortgage Toolbox App

Mortgages don’t have to be confusing. These tools and resources will help you plan, strategize, and move forward with confidence - just like my clients do every day.

Take Control of Your Mortgage - Here’s Everything You Need.

 Our 'Simple-ish Guide to Mortgage Documents' breaks down exactly what you need for a hassle-free application.