Meridian Mortgage
Licensed brokers across Ontario

A mortgage,
explained properly.

We shop 40+ lenders so you don't have to, and we'll tell you honestly when renting still beats buying. No jargon, no pressure.

40+
lending partners
4.9/5
from 210+ reviews
24hr
pre-approval turnaround
Today's rate
4.29%5yr fixed
5yr Fixed
4.29%
5yr Variable
4.65%
3yr Fixed
4.49%
HELOC
6.20%
Services

Whatever stage you're at, there's a path through it.

First-Time Buyers

From down payment programs to closing costs, we walk you through every step.

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Renewals

We check the market before you renew, most renewers overpay without knowing it.

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Refinancing

Consolidate debt, fund a reno, or unlock equity at a rate that makes sense.

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Self-Employed

Non-traditional income isn't a dealbreaker. We know which lenders say yes.

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New to Canada

Limited credit history programs designed for newcomers building a life here.

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Investment Properties

Financing structured for cash flow, not just qualification.

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How it works

Four steps. No surprises.

01
Quick chat

15 minutes to understand your goals and timeline.

02
We shop the market

40+ lenders compared for your exact situation.

03
Pre-approval in hand

A real number you can shop with confidently.

04
Close with support

We stay involved until keys are in your hand.

Client stories

Rated 4.9 out of 5 from 210+ reviews.

They found us a rate half a point lower than our bank offered, and actually explained the penalty clauses instead of burying them.

Priya S. · First-time buyer, Ottawa

Renewal season used to stress me out. Now I just forward the letter to Meridian and they handle the negotiating.

Marcus T. · Renewal, Kingston

Self-employed and got told 'no' twice elsewhere. Meridian found a lender who understood how my income actually works.

Dana L. · Refinance, Ottawa
FAQ

Good questions.

Nothing, in most cases. We're paid by the lender once your mortgage closes, at no extra cost to you.
No. Pre-approval checks use a soft or single hard pull depending on the lender, and shopping through us counts as one inquiry, not several.
Usually within 24 hours of us receiving your documents. Most clients hear back the same day.
Yes. We work with lenders who specialize in stated-income and business-for-self programs.

Let's find out what you actually qualify for.

No cost, no obligation, and a real answer within a day.