Shari Merritt, AMP

Welcome and thanks for visiting my website!  First a little bit about me…  my name is Shari and I have been in the mortgage and real estate industry for over 10 years.  I am a Mom, (more like a suggestion giver or guider at this point) to a lovely 19 year old daughter, awesome 22 year old son and two special step daughters, as well as partner to long time South Delta realtor Dean Bauck.   

In my free time I enjoy travelling, time with family and friends, good wine, (which means anything red), volunteering in the community and the occasional Netflix binge watch.  

I am thrilled to have found a home at Southwest Mortgage, DLC – Canadian Mortgage Experts.   Working with such a dynamic team ensures that I am able to deliver top notch service along with extensive access to lenders.   

I love living and working in my community and am a proud member of the Delta Chamber of Commerce and the Rotary Club of Tsawwassen.   I am also a member of the Mortgage Broker’s Association of BC and hold my Accredited Mortgage Professional (AMP) designation from the Canadian Association of Accredited Mortgage Professionals (CAAMP).

It is important to me that my clients have confidence in their financing decisions and I strive to provide the guidance, knowledge and understanding they need.   I am always available to answer questions and provide information.  Give me a call, I would love the opportunity to find out more about your unique situation and how I can be of service.

I look forward to hearing from you!

Minimum Down Payment Calculator

As of February 15th, 2016, mortgages insured by CMHC will have new down payment rules. See if these new rules will impact your mortgage plans!

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Mortgage Blog

What is Mortgage Default Insurance?

Mortgage Insurance 101. As part of the home buying process, you will hear the term mortgage insurance used a lot, especially if you are applying for a mortgage with a downpayment less than 20% of the purchase price. In Canada there are currently 3 mortgage insurers:...

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7 Questions To Ask Yourself Before Building a Home

7 Questions To Ask Yourself Before Building a Home

Building your dream home can sound really exciting, but have you thought about everything that goes into building a new home? Here are 7 Questions you should ask yourself before making any concrete plans! 1. What are my expectations with this new home? Are you looking...

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Can I Get A Mortgage With No Downpayment?

Can I Get A Mortgage With No Downpayment?

The simple answer to this question is no. In order to secure mortgage financing in Canada you have to come up with at least a 5% downpayment. Now, if you haven’t set aside the 5% for a downpayment in your savings account, that is okay. There are still a few ways...

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Mortgage Services

Purchase Financing

If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to you and arrange the mortgage that suits your goals!


Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is with a preapproval, so you know exactly how much buying power you have.

First Time Home Buyers

If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about. I will walk through the process with you and make sure you feel comfortable with the details of your mortgage contract and that they meet your unique financial needs.


The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate, and I am here to help you so that you don’t have to do those negotiations alone!


Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless of the reason, I will discuss all your mortgage refinancing options with you! Everyone is unique… let’s find a mortgage solution to match!


Obviously there are a lot more services I can offer and a lot more information I can share with you. Consider this my invitation to contact me with your questions, I would love to work with you and help you figure out a plan not only to get you a mortgage, but to help you get rid of it. Talk soon!

Some of my Lender Partners


Here are a few nice things my clients have said about me.
All I can say is WOW!  I was very impressed with Shari’s professionalism and personal attention. She is a first class, high caliber, mortgage broker. I received her personal and patient attention on an as-needed basis. She was always available for questions, explained the process clearly, and made me feel like I was her only client.  She is gifted, talented and has a keen knowledge of the mortgage providers out there. I was totally impressed and would recommend Shari to anyone, looking for a mortgage broker with attention to detail. Carrie Peacock

Delta, BC

I just want to thank Shari and her team for how they helped my family get the best Mortgage for us! My wife and I are both Small Business owners and in the past we have really struggled getting someone to speak to that really understands what we need and how to get us a good rate. Other brokers were a nightmare to deal with and they never explained a thing. Then we met with Shari and she made the process really simple. She set clear expectations on what was needed from us and she made the process very simple and enjoyable. I would highly recommend Shari if you are a Business Owner and looking to get a mortgage, she will exceed your expectations and you will probably meet a new friend!!! Thank you so much! – Shane Todhunter

Tsawwassen, BC

We had the pleasure of dealing with Shari on several  occasions – a mortgage for our initial home purchase and a mortgage renegotiation after five years.  Shari is friendly, proactive, knowledgeable and full of industry acumen. We would highly recommend Shari Merritt to anyone seeking a mortgage for new home purchase or renegotiation. Catherine and Graham

Delta, BC

Everyone Is Unique

Your short and long term financial goals, your lifestyle, career, income, and your home ownership choices are all unique to you, your mortgage should be as well.

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