Kristen Young of Merge Mortgage: The Calgary Mortgage Broker I Recommend to Buyers

If you're searching for the best mortgage broker in Calgary, Kristen Young of Merge Mortgage is the name I give buyers. I'm Ben Sweet, a Calgary realtor. Almost every buyer I work with needs a mortgage, and the person who sets it up shapes the whole purchase: how much you can spend, how strong your offer looks, and how calm possession day feels.

Kristen has spent 15 years in the mortgage industry. She works out of southeast Calgary, and her clients describe someone who explains everything, picks up the phone and stays with the file until it funds. Here's who she is, what she helps with, what her clients say and how to reach her.

Who is Kristen Young?

Kristen Young is a Partner and Mortgage Professional at Merge Mortgage Group. Her own site lists her as a licensed mortgage broker with BRX Mortgage Inc. Merge's team page says she has 15 years in the mortgage industry, lives in Calgary and is originally from Toronto. Her Google listing, "Kristen Young Merge Mortgage Group", places her at 356 Cranston Rd SE in southeast Calgary.

Merge describes itself as a brokerage that works "directly with your lender to secure you a customized mortgage solution." It has a presence in the East Kootenay, Southern and Northern Alberta, and Southern Ontario. Merge also says it "ranked in the top 5% of all mortgage brokers in Canada in 2021 and 2022." On her own site Kristen sums up her pitch in one line: "Get beyond one bank. I’ll help you explore all lender options!"

Why I send Calgary buyers to Kristen

When I read through her 116 Google reviews, the same four things kept coming up. These are the things that matter most to a buyer in the middle of a deal.

• She explains the whole process. At least 13 of the five-star reviews mention first-time buyers. Many say she walked them through every step and every decision.
• She's reachable. Reviewers keep mentioning quick replies, check-ins and answers "day or night".
• She handles complicated files. Refinancing a home while buying another, switching lenders, investors with many properties, and buyers who are moving provinces all show up in her reviews.
• She works to deadlines. Several reviews describe financing that was closed on a tight timeline. When you've firmed up a deal, that's exactly what you need.

Every buyer's situation is different, so talk to Kristen directly about yours. No broker can promise a rate or an approval before a lender reviews the file, and Kristen's own FAQ says the same thing: a full approval comes from the lender.

What Kristen helps with

This is her services list as she publishes it on her services page, grouped here so it's easier to scan:

Her LinkedIn also lists new-to-Canada mortgages and second-home mortgages. Merge's relocation page says Kristen "specializes in relocation mortgages" for people moving to Alberta from other provinces.

Moving to Calgary from another province?

This is where Kristen stands out. Merge published a profile of her relocation work, and in it she says: “When people move, they’re not just changing homes—they’re changing their lives.” Merge’s relocation guide puts “Get Mortgage Pre-Approval” near the top of its moving checklist, before you move. Her reviews include families moving from Ontario, British Columbia and other provinces.

If you're relocating, here's the order I'd suggest:

1. Call Kristen and get pre-approved, so you know your real budget before you house-hunt.
2. Read my guide to relocating to Calgary and the Calgary home prices by community to shortlist areas.
3. Call my office so we can line up showings for your trip.

Buying your first home? Read my first-time home buyer guide. Kristen's office is in Cranston, and my Cranston real estate guide covers that neighbourhood.

What her clients say: 5-star Google reviews

These are quoted word for word from Kristen's Google listing. I didn't edit or shorten them.

Source: Google reviews for Kristen Young Merge Mortgage Group, read November 8, 2026. The dates are as Google showed them that day. Reviewer names are shortened to first name and last initial.

How to contact Kristen Young

FAQ

Kristen Young and Merge Mortgage Group are an independent mortgage business, separate from Ben Sweet & Associates and Real Broker. This is a mortgage professional Ben recommends. Nothing on this page is a rate quote, an approval or mortgage advice: mortgage approval, rates and terms depend on your own situation and the lender, so speak with Kristen directly. Her rating and review count are from her Google listing as of November 8, 2026, and the reviews are quoted word for word. Contact details are as she and Merge Mortgage Group publish them. Photos: Merge Mortgage Group. Last updated: November 8, 2026.