As a member-owned credit union for over 80 years, Meridian has tailored financial solutions, including HELOC and a rental program. They are ideal for first-time home buyers, individuals with bruised credit, and investors, all without requiring a stress test, making it a great option for those seeking flexible lending criteria.

FirstOntario Credit Union serves over 126,000 members with a range of financial products, including flexible mortgage solutions that cater to diverse needs. With offerings like HELOC and rental programs, FirstOntario is ideal for first-time home buyers, investors, and those with bruised credit who are looking for accessible financing options without the burden of a stress test.

DUCA Credit Union has proudly served over 93,000 members across Southern Ontario since 1954, offering personalized financial solutions, including HELOC and a rental program. With no stress test requirements and flexible debt ratios, DUCA is suited for first-time home buyers, individuals with bruised credit, and investors seeking adaptable financing options.

Desjardins, a leading credit union in Canada with over 100 years of experience, provides a range of financial services, including mortgages tailored for first-time home buyers and investors. With flexible lending solutions like HELOC and a rental program, Desjardins supports clients with diverse financial backgrounds and offers options for rural properties without a stress test.