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Our Story

Online Rates. Offline Service

CanWise - A Canadian mortgage company for today's wise consumer

We exist to serve the modern borrower, who is savvy and informed. You’ve compared the best mortgage rates online, but for you, that’s just the starting point. You want insightful advice, proactive communication, and above all, ease and convenience. The good news is, you’ve come to the right place.

James Laird

President, Broker of Record


Before starting CanWise Financial, James received an Honours Bachelor of Commerce degree from Queen’s University, and went on to launch several successful entrepreneurial ventures. Most recently, James spent six years as the Chief Operating Officer (COO) of Canada’s largest independent mortgage brokerage. James is highly analytical, and loves helping clients make sound financial choices based on hard numbers.

Bryan Freeman

Senior Vice President, Mortgage Agent


Bryan brings more than 10 years of experience in the financial services industry to the CanWise team, including 8 years in lending and underwriting for Tangerine Bank (formerly ING DIRECT Canada). He managed the busiest mortgage portfolio on their former broker channel, then moved on to do some regulatory and compliance work with FSCO, so he’s had his hands on all sides of the business. Bryan loves meeting new people and helping them find sensible mortgage solutions that fit their wants, needs and lifestyle.


Emmanuel Tan

Documentation Manager


1.844.808.3379 ext. 107

Emmanuel has been in the mortgage industry for over 7 years and specializes in mortgage closing administration and documentation. During his 6-years at the Royal Bank of Canada, Emmanuel was awarded the 2010 RBC Gold Star Award and was recognized as the quarterly winner for the years 2007, 2010 and 2011. Before joining Canwise Financial, Emmanuel was a successful mortgage administrator at New Haven Mortgage Corporation. His extensive knowledge and experience in this industry has equipped him to deliver superior service that Canwise clients and business partners know and expect.

Ahjaz Mussa

Mortgage Agent

Apply with Ahjaz

1.844.808.3379 ext. 108

Ahjaz joined the mortgage business in the spring of 2007. He spent the first 6.5 years of his career at ING DIRECT Canada (now Tangerine Bank), working in mortgage sales then moving on to becoming a lending analyst. He has also worked as a mortgage fulfillment specialist with MCAP. Ahjaz has a Bachelor of Commerce from Ryerson University, and is passionate about helping customers find the ideal mortgage product for their day-to-day lives.

Shawn Arshad

Mortgage Agent

Apply with Shawn

1.844.808.3379 ext. 110

Shawn is a seasoned real estate investor and an active contributor to the Canadian Real Estate Wealth Magazine. He has a Bachelors in Engineering from Cape Breton University with over 7 years of experience in the work sector. After spending 2 years working with private investors, Shawn joins CanWise Financial with the goal of creating a smooth home buying experience for both first-time home buyers and avid real estate investors alike.

Vince Anton

Mortgage Agent

Apply with Vince

1.844.808.3379 ext. 111

Vincent brings 6 years of experience in the mortgage industry to the CanWise team. From January 2009 until August 2014, he was a residential mortgage underwriter at Tangerine Bank (formerly ING DIRECT Canada). As one of the mortgage specialists on the CanWise team, Vincent's personal goal is to give clients the best experience possible. Knowing how stressful the mortgage process can be, especially to first-time homebuyers, he prides himself on making the experience as seamless as possible.

Robert De Benedictis

Mortgage Agent

Apply with Robert

1.844.808.3379 ext. 109

Robert brings over 25 years of industry experience to CanWise. Most recently, he managed the downtown branch for a large credit union, assisting members with various financial needs. Over his extensive work and life experiences, Robert has gained a wealth of knowledge and expertise that he enjoys sharing. He thrives on meeting new people and prides himself on delivering exceptional customer service and building strong client relationships. Finding a mortgage can present many options. Robert will focus on your needs, navigating you through the process to make your experience seamless while negotiating the best mortgage for you. Robert has the experience you can depend on.

Abdul Jaffer

Mortgage Agent

Apply with Abdul

1.844.808.3379 ext. 103

With over 12 years’ experience, Abdul is a seasoned veteran in the mortgage industry. He graduated from Seneca College specializing in Business Administration and started his career in mortgages in 2005 at Tangerine (formerly known as ING Direct Canada). He has been underwriting residential mortgages for over 8 years working directly with leading industry brokers and mortgage insurers alike. Most recently, he was a prime mortgage underwriter at Equitable Bank. Abdul relishes the opportunity to educate his customers about the most important investment decision of their lives and guide them through the mortgage process with his extensive knowledge of the mortgage industry.

Michael De Nuzzo

Mortgage Agent

Apply with Michael

1.844.808.3379 ext. 106

Michael possesses more than 10 years of experience in the financial services industry holding positions which involved financial advisory, residential/commercial mortgages, foreign exchange and commercial banking. He spent the early part of his career working for Scotia, and more recently joined the broker industry. Michael is passionate about working with people to help them achieve their financial goals.

Raymond Munier

Mortgage Agent

Apply with Raymond

1.844.808.3379 ext. 114

Raymond brings over 5 years of mortgage experience to the CanWise team. From Feb 2012 – Mar 2017 he worked in various mortgage related positions with CIBC including Mortgage Servicing Specialist, Mortgage Insurance Sale & Service Rep, Mortgage Renewal Specialist, and most recently he was a CIBC Mortgage Advisor working over the telephone banking channel. Raymond’s easy going approach will reduce the stress that can come with the mortgage process. He prides himself on providing each and every client the best experience possible.

Spiro Boseovski

Mortgage Agent

Apply with Spiro

1.844.808.3379 ext. 112

Spiro brings 10 years of mortgage experience to Canwise Financial. He obtained a Bachelor of Commerce Degree at the University of Toronto, graduating with high distinction. Most recently Spiro was a mortgage agent for Firstline /CIBC where his passion to provide excellent customer service made him one of their top agents. He was also a go to person on the floor for assisting peers with a wide variety of mortgage related questions. His passion to provide client’s with the best possible service and product is what lead him to join the broker industry. Spiro is always looking forward to your call and enjoys navigating through your options and completing your mortgage transaction.

Eric Milicevich

Mortgage Agent

Apply with Eric

1.844.808.3379 ext. 115

Eric has an honours bachelor of commerce degree with a specialization in finance. He has held multiple positions at the big 5 banks including 4 years at CIBC as a mortgage specialist. Eric's promise is dedicated and personalized service to make the mortgage process easy and stress free.

Kevin Chu

Mortgage Agent

Apply with Kevin

1.844.808.3379 ext. 116

Kevin has over 6 years of experience working in the financial industry. He has a Business Degree from Ryerson University where he majored in Finance. After graduating, he moved onto the role as an associate for an investment service company and dealt with day to day trades as well as hedge fund applications. After 2 years, Kevin decided to move onto CIBC where he spent the next 4 years as a financial representative and mortgage specialist. He provided clients with exceptional service in investments and mortgage options. Kevin’s knowledge, well-rounded skill set and passion allows him to understand clients and provide them recommendations that are tailored to their needs. He prides himself on being able to assist homeowners with sound advice, while making the mortgage process seamless, informative, and easy to understand.

Pankaj(Jay) Goyal

Mortgage Broker

Apply with Pankaj(Jay)

1.844.808.3379 ext. 125

For more than 11 years Jay has helped hundreds of clients save thousands of dollars by helping them explore various mortgage options and choose the right mortgage products. For Jay, getting to know his clients and their financing requirements well is really important. Jay loves to create long term relationships with his clients, which helps his clients not only to get great mortgage products but also save during the life of the mortgage and their real estate investments. In the past, Jay has worked as a principal broker for one of the largest independent mortgage brokerages in Canada and has also been a successful entrepreneur and investor. Jay has graduated in Bachelor of Engineering, has completed certificate course in Financial Services Underwriting with Honours from Seneca College, Toronto and has also got an MBA from IIM Ahmedabad, India.

Mike Bricknell

Mortgage Agent

Apply with Mike


Mike has been in the mobile mortgage origination field for the last eight years working with lenders such as a Big 5 Bank, Ontario’s largest Credit Union, and is now back at it as a mobile Mortgage Agent with CanWise Financial. For the ten years prior he worked in corporate sales with two big multi-national companies as a sales representative. While gaining excellent field experience and product knowledge Mike has accumulated assorted accolades along the way and is an asset to the team. Mike can bring his mortgage knowledge and services to you at your home, work, or another preferred place of preference to meet with today's busy lifestyles. Educated through the general arts program at University of Guelph, accounting at Sheridan College, and in playing on various Regional and National Championship winning lacrosse teams Mike’s hard work and infectious enthusiasm are a pleasure to work with to the seasoned real estate investor all the way to the first time home buyer alike. Meeting and helping new mortgage clients like yourself to achieve their finanical dreams are what Mike enjoys most so be sure to contact Mike today to assist with your mortgage needs.

Randheer Warha

Mortgage Agent

Apply with Randheer

1.844.808.3379 ext. 117

Randheer started his financial career at CIBC where he spent 4 years as a Financial Advisor and Mortgage Consultant. He provided clients with exceptional service in investments and mortgage options. Randheers’ knowledge, well-rounded skill set and passion allow him to understand clients and provide them recommendations that are tailored to their needs. Randheer's promise is dedicated and personalized service to make the mortgage process easy and stress free.

Emma Movsesyan

Office Manager


1.844.808.3379 ext. 120

Emma holds a Master's Degree in Economics and Marketing. She has over 10 years of administrative and marketing experience. She uses her experience and hard work to ensure that CanWise operates efficiently.

Yang Yang

Documentation Officer


1.844.808.3379 ext. 122

Before he joined the CanWise team, Yang enjoyed his research life at the University of Toronto where he got both his Master of Science Degree in Physics and Master of Applied Science Degree in Engineering. He brings strong analytical skills and meticulous organizational skills to the CanWise team. His goal is to create a smooth experience for both the mortgage agents and the partner lenders to ensure that documents are processed in a timely and efficient manner with high degree of accuracy.

Daisy Liu



1.844.808.3379 ext. 121

Daisy holds a Masters Degree from the University of Toronto. She brings to CanWise her amazing organizational skills, as well as her marketing experience. Daisy ensures that CanWise operates as smooth and efficiently as possible.

Darcel Williams

Documentation Officer


1.844.808.3379 ext. 113

Darcel has over 15 years’ experience in the Financial Services Industry, she takes passion in providing an exceptional customer experience with every interaction. She brings to CanWise strong organizational skills and her joy for helping others. Her main focus and goal is to create a seamless experience for both our mortgage agents and our lending partners by ensuring that each document is reviewed for accuracy and processed in an efficient and timely manner.

Eunice Choi

Documentation Officer


1.844.808.3379 ext. 128

Before Eunice joined CanWise, she worked at a private mortgage brokerage firm as a licensed mortgage administrator and most recently she was employed at the Bank of Nova Scotia in the Compliance Department. She was mainly responsible for stressing deal applications to the highest degree of regulatory standards and guidelines while maintaining a smooth flow of deal closures. She helps others with her exceptional knowledge in mortgage process and ensuring that required lenders conditions are met in accordance with policy and guidelines in a timely manner.