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NPX

Making homeownership possible
for every story. We’re proud to offer NPX in Ontario, British Columbia and Alberta.
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Man and woman talking to lady
As an alternative product under the MERIX Financial umbrella, NPX is all about finding mortgage solutions that are customized, not cookie-cutter. Not every homeowner follows the same path, but that doesn’t mean your journey shouldn’t be as fulfilling.

If you’re self-employed, have an unconventional source of income, or you’re working on your credit, we can help you get the mortgage you need to get into the house of your dreams.
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The NPX product line up

Finding the right solution for unique situations calls for a unique
suite of products. With an NPX mortgage, reaching your homeownership goals is totally doable.

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XTEND Mortgage

Our leading solution designed to boost your borrowing power using flexible features like non-stress tested rates, extended debt ratios, stated income, and rental offsets.

Available in Ontario

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EXACT Mortgage

Qualify at the contract rate to maximize your loan amount. This product has a 30-year amortization, flexible 2-to-5-year terms and fee and no fee options.

Available in Ontario

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AXIS Mortgage

Competitively priced, AXIS is our go-to option for a wide range of clients, including business owners (BFS), rental property investors, and those with non-traditional incomes needing flexibility with their debt ratios.

Available in Alberta, BC & Ontario

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XTREME Mortgage

For folks with incomes that fluctuate or
are hard to confirm like contractors or consultants, XTREME is the perfect solution.

Available in BC & Ontario

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Empowering homeowners, one mortgage at a time

Leverage your borrowing capacity like a pro! From first keys to future goals, we help you turn equity into opportunity and homeownership into reality — with confidence every step of the way.