24/7 Availability

Finding the right Financial Solutions

Making your dream a Reality

Why Use a Mortgage Broker?

The Right Product for the Right Need

We get the best product to fit your financial needs across every stage of life

Licensed & Trained Professional

Trusted financial solutions saving you time & money

Fast & Free Pre-Approvals

Get speedy access to pre-approvals with no obligation

Multiple Rates & Lenders

We compare rates across various lenders not accessible to banks & negotiate on your behalf

Self-Employed or Bad Credit

Realize your financial goals even if you’ve been previously turned down

About Melody

After working in the financial industry for 25 years, Melody has extensive experience and knowledge to successfully secure financing for clients. Melody provides fast and efficient solutions to meet all her clients’ financing needs. Whether you are a first-time buyer, consolidating your debt, renovating or looking for an investment property, Melody offers sound, value-added advice. Having formerly owned and operated a successful Accounting practice, Melody offers a unique understanding of the challenges involved in securing a mortgage, especially for those who are self-employed, or own multiple properties.
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Mortgages

Pre-Approval

Find out how much you qualify for before finding your dream home and make your search enjoyable. Why start looking for a million dollar home, only to find out you cannot get the financing you need? Having this information tells you how much you can afford, and reduces stress…

Refinance / Home-Equity Line of Credit (HELOC)

Interested in consolidating or reducing your debts to have smaller monthly payments? Consider refinancing your mortgage or using home equity to:
– Put a family member through school
– Pay off student loans…

Purchase

We’ll help you navigate your new purchase. Documents needed include:
– Employment letter
– T4’s and paystubs
– Copy of property listing
– Copy of property appraisal…

Business For Self

Self-employed? Don’t despair. You can still qualify for a mortgage. A mortgage is within your reach with a little extra information required:
– 2 years of Notice of Assessments
– 2 years of financial statements / bank statements…

First-Time Home Buyer

Here are just a few incentives of being
a first-time home buyer:
If you have an RRSP, you are allowed to borrow up to $35,000 to put towards your down payment. You now have the privilege of replenishing these funds over 15 years, tax free…

Low Credit Score

Our goal is to qualify you for a mortgage along with helping you improve your credit score. Increasing your credit score usually means paying higher interest rates at the beginning. As your credit improves, we will help you find more competitive mortgage rates…

Testimonials

Worked with Melody to renew our mortgage. She was very knowledgeable and supportive. Always readily available to answer our many questions. We definitely recommend seeking out their services!

- Cryssi Mcdonald

Testimonials

My fiancé and I had an amazing experience with Melody Cara Mortgages. Melody was incredibly helpful and supportive as we went through getting our first mortgage. Buying your first home can be a stressful experience, but Melody walked us through every step and answered our many many questions promptly and thoroughly. From the beginning, we knew Melody had our best interest in mind. She took time to get to know us as a couple and worked with us to make the best decisions. She explained everything to us on the phone, via email and in person. She collected the required documents from us early, so we didn't have to feel any time pressure and we were ready when the deadlines came for Melody to submit. Melody also got us an amazing rate! We signed all the paperwork feeling positive that we made every right decision and we felt excited and at ease about our first mortgage. We would strongly recommend Melody Cara Mortgages!

- Hayley Goldsand

Testimonials

Very well knowledgeable in all aspects of Financing that you will need for your Mortgage.

- Karen Harris

Testimonials

See you at renewal time! Looking forward to doing business with you again.

- Rick Ouellet