I’m Karen Boies

mortgage broker

Helping you navigate the tricky world of mortgages!

My Services

Mortgages, Home Purchase, Refinance, Renewals and More.

About Me

I have over 12 years of mortgage experience. Check out what my clients have to say about me.

Home Purchase

Purchasing a home doesn’t have to be tricky. I can help navigate the mortgage process.



Did you know I can save you thousands  each year by negotiating your mortgage renewal?


There are a variety of reasons to refinance your home – let me help you with yours!

Mortgage FAQs

Just some things we get asked a lot…

People have a lot of questions when it comes to getting a mortgage, whether it is their first or they’re looking at their 5th property. Here are some of the common ones we see.

Do I need great credit to get a good mortgage rate?

Great credit is good for a lot of things, including mortgages, but we have lenders and options available for all kinds of credit and income situations. Ask us about our options for you.

What is the difference between a Mortgage Broker and my Bank?

Mortgage Brokers work with a variety of lenders and financial institutions and can offer products better suited to each of their individual client’s needs. Banks can only offer their products, which may not be the best suited to that client.

How much can I afford?

Affordability with a mortgage is determined by a number of factors, including income and down payment. Speak with one of our Mortgage Planners to get a pre-approval in place before you start shopping for a property.

What will the mortgage rate be?

The rate you qualify is based on a number of factors and the products currently available. Rates provided online are generic based on good credit profiles and qualifying information. Every mortgage is different so give us a call to discuss what we may be able to do for you in terms of rate.

About Me

Shopping for mortgages can be time consuming and an unforgettable costly mistake, if you do it by yourself.  That is why more and more Canadians are relying on a licensed Mortgage Broker professional to guide them through the process of securing their mortgage. 

This is likely the most expensive purchase of an asset and the largest debt to you are taking responsibility for.  You need to be working with a professional who will educate, support  and guide you throughout the process of finalizing your mortgage.

What my clients say

Thank you so much for all your work, dedication and availability for Melanie and myself.  I love that I can count on you to help my clients, it means a lot to me.  Sincerely, 

Carole Ducharme

Realtor- Sutton Group West Coast

After speaking with several other mortgage brokers, I was absolutely blown away by Karen’s professionalism. It was refreshing to receive quick responses to my questions and emails and I was so happy to receive an excellent rate. I am even changing banks to her recommended service provider because of the service I received there as well. I will highly recommend Karen Boies to all my friends and family who are shopping for mortgages. Thank you Karen!!! 

About City Wide Mortgage Services

City Wide Mortgage Services started as City Wide Financial Corporation in 1995 founded by Thomas Phillips and Shaun Zipursky. A third partner, Wayne Mah, joined them in 1999. Rowan Smith and Dara Fahy became partners of the firm in 2012.

Working with clients from all over, this team of partners has brought on some of the top Mortgage Brokers in the business to bring top service and skills to our clients.

Let’s Chat – No pressure!