Mortgage Broker

Courtier hypothécaire

Find the mortgage you are looking for with Melissa Harney, Mortgage Intelligence in Ontario. Languages: English

Melissa Harney, Mortgage Professional, part of the Mortgage Intelligence in Ontario

Trouvez l'hypothèque que vous recherchez avec Melissa Harney, Intelligence Hypothécaire en Ontario. Langues : Anglais 

Melissa Harney, Courtier hypothécaire, faisant partie de Intelligence Hypothécaire en Ontario

Buying your first home can feel overwhelming, especially when trying to understand mortgage rules, down payments, and lender requirements. I help first-time buyers navigate the process, understand their options, and secure a mortgage that fits their budget and long-term plans.

Buying your first home can feel overwhelming, especially when trying to understand mortgage rules, down payments, and lender requirements. I help firs

First-Time Home Buyer Mortgages

A mortgage pre-approval helps you understand how much you can afford before starting your home search. I review your financial situation and connect you with lenders who can provide a pre-approval so you can shop with confidence.

A mortgage pre-approval helps you understand how much you can afford before starting your home search. I review your financial situation and connect y

Mortgage Pre-Approvals

Many homeowners simply renew with their bank without exploring other options. Before you renew, I can compare rates and mortgage products from multiple lenders to make sure you're getting the best solution for your situation.

Many homeowners simply renew with their bank without exploring other options. Before you renew, I can compare rates and mortgage products from multipl

Mortgage Renewals

Refinancing your mortgage can allow you to access equity, reduce monthly payments, or restructure your mortgage. I help clients explore refinancing options that align with their financial goals.

Refinancing your mortgage can allow you to access equity, reduce monthly payments, or restructure your mortgage. I help clients explore refinancing op

Mortgage Refinancing

Financing an investment property requires a different approach than a traditional home purchase. I help real estate investors explore mortgage options designed for rental and income properties.

Financing an investment property requires a different approach than a traditional home purchase. I help real estate investors explore mortgage options

Investment Property Mortgages

Self-employed borrowers often face additional challenges when qualifying for a mortgage. I work with lenders who understand business income and offer solutions tailored for entrepreneurs and self-employed professionals.

Self-employed borrowers often face additional challenges when qualifying for a mortgage. I work with lenders who understand business income and offer 

Self-Employed Mortgages

Private mortgage financing can be a short-term solution when traditional lenders are not an option. I help clients explore private lending solutions when timing or circumstances require more flexible financing.

Private mortgage financing can be a short-term solution when traditional lenders are not an option. I help clients explore private lending solutions w

Private Mortgages

Reverse mortgages allow homeowners aged 55 and older to access equity from their home without selling their property or making regular mortgage payments. This can provide financial flexibility during retirement.

Reverse mortgages allow homeowners aged 55 and older to access equity from their home without selling their property or making regular mortgage paymen

Reverse Mortgages

Not every borrower fits the strict guidelines of major banks. Alternative lenders provide mortgage solutions for clients with unique income situations or credit challenges.

Not every borrower fits the strict guidelines of major banks. Alternative lenders provide mortgage solutions for clients with unique income situations

Alternative / B Lender Mortgages

If your credit has been damaged, there may still be mortgage options available. I work with lenders who help clients rebuild credit while securing home financing.

If your credit has been damaged, there may still be mortgage options available. I work with lenders who help clients rebuild credit while securing hom

Bad Credit Mortgages

Newcomers to Canada may not yet have an established credit history. I work with lenders that offer mortgage programs specifically designed for new Canadians.

Newcomers to Canada may not yet have an established credit history. I work with lenders that offer mortgage programs specifically designed for new Can

New to Canada Mortgages

A Purchase Plus Improvements mortgage allows buyers to include renovation costs directly in their mortgage when purchasing a home. This program is often used for upgrades such as kitchens, bathrooms, flooring, or other improvements after taking possession. I help clients understand how the program works and which lenders offer this type of financing.

A Purchase Plus Improvements mortgage allows buyers to include renovation costs directly in their mortgage when purchasing a home. This program is oft

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Melissa Harney

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First-Time Home Buyer Mortgage

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Investment Property Mortgages

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