Tell us your plans
Buying your first home, refinancing, renewing or investing, and your timeline.
A home for every chapter.
Buying your first place, making room for a growing family, renewing on terms that fit your life today or investing in your next property. A licensed mortgage professional helps you get there, comparing lenders on your behalf.
No cost. No obligation. No credit check from NorthMerit.
$30M+
in financing Canadians have applied for through NorthMerit.
Homeowners and business owners across Canada, matched with the right professional.
From first question to keys in hand.
Three simple steps, at your pace.
Meet your mortgage professional
We confirm it’s you, then introduce you to one licensed professional who compares lenders for you.
Move forward on your terms
Choose the option that fits, or take your time. No obligation.
One professional. Not a call centre.
Your request goes to one licensed mortgage professional, never a list. They can compare options from multiple lenders and explain the full cost before you commit.
- Shared only with your consent
- NorthMerit is compensated by its partners
- Withdraw at any time
Whatever your next step.
Whether it’s your first home or your fifth, a refinance or a renewal, here’s where we can help.
First-time home buyersBuying your first home comes with a lot of firsts. We’ll connect you with someone who gets you pre-approved, explains your down payment options and walks you through every cost before closing day.Buying your next homeAlready own and ready to move? Work out whether to take your current mortgage with you, how to time your sale and purchase, and how to turn your equity into your next down payment.RefinancingUse the equity you’ve built for a renovation, pay off higher-interest debt, or change your payments. You’ll see the full cost, penalty included, before you decide.RenewalsYour renewal is one of the few times you can switch lenders without a penalty. Compare your lender’s offer against others before you sign, and start about four months early.Investment property mortgagesBuying a rental or adding to a portfolio? Get financing structured around the property, the rent it brings in and the down payment lenders will expect.Mortgages for the self-employedOwn a business or work on contract? Some lenders look past a single tax return to your whole picture. We’ll connect you with someone who knows which ones.Mortgages for newcomers to CanadaNew to Canada and ready to buy? Several lenders have programs for newcomers, even with a short Canadian credit history. Get clear guidance on the rules and documents.
Questions, answered plainly.
Is NorthMerit a mortgage broker or lender?
No. We match your request with one independent, licensed mortgage professional, who can compare options and advise you. They, and the lender, set any terms.
Does it cost anything?
Getting matched is free, with no obligation. NorthMerit is compensated by its partners. Ask your mortgage professional how they’re paid before you proceed.
Will this affect my credit?
NorthMerit doesn’t run a credit check. Your mortgage professional will ask your permission before any credit check.
Who sees my information?
With your consent, your request is shared with one mortgage professional. Not a list, and never more than one.
Your next home starts with one conversation.
Tell us your plans and talk to one licensed mortgage professional. Free, with no obligation.
