Borrow with confidence for life's biggest investments.
Melod Nawabi is a mortgage agent with Pineapple, not tied to one bank — shopping your rate across dozens of lenders so you get the mortgage that actually fits, not just the first offer.
Services
Whatever stage you're at, there's a path that fits
Mortgage Pre-Approval
Know your number before you shop, with a rate held for your search.
First-Time Buyers
Programs, incentives and plain-language guidance for your first purchase.
Refinancing
Restructure your mortgage to access equity or improve your rate.
Mortgage Renewals
Don't auto-renew — I'll shop your rate before your term is up.
HELOC
Flexible, revolving access to your home's equity.
New to Canada
Financing options for newcomers building credit history.
Investment Properties
Financing for rental and income-generating properties.
Reverse Mortgage 55+
Unlock home equity as tax-free cash without monthly payments.
Debt Consolidation
Roll high-interest debt into one manageable mortgage payment.
Other Services
Smith Maneuver, private mortgages, bridge financing and more specialized strategies.
How it works
Three steps, start to finish
We talk
A quick call or message about your goals, timeline and numbers — no paperwork yet, no obligation.
I shop the lenders
One application, compared across dozens of lenders. You see the best options side by side, in plain language.
You close with confidence
I handle the approval, the documents and the lender back-and-forth through to closing day.
About
Get to know Melod
I got into mortgages because I like helping people get past the paperwork and into the home, investment property, or refinance they've been working toward. As an agent with Pineapple, I'm not tied to one bank — I compare rates and terms across the market and build a plan around your numbers, not a script.
Access to dozens of lenders, not just one bank's rate sheet
One application, multiple offers compared side by side
Guidance from pre-approval all the way through closing day
Estimate only — excludes taxes, insurance and fees. Rates are subject to change and all mortgages are on approved credit (OAC). For an accurate quote, use the full calculator or contact Melod directly.
Reviews
Your experience matters
Be one of my first reviews
I'm building my practice one client at a time. If we've worked together, a quick Google review helps the next family find honest mortgage advice — and I'd genuinely appreciate it.
Leave a Google ReviewFAQ
Common questions
What does working with a mortgage agent cost me?
For most standard residential mortgages, nothing — the lender pays the agent once your mortgage closes. If your situation requires a private or specialty lender, any fee is disclosed upfront before you commit.
What credit score do I need to qualify?
Insured mortgages generally look for a score of around 600 or higher, and the best rates typically start around 700+. Below that, there are still alternative and private lending options — and I can help you build a plan to improve your score.
How much down payment do I need?
In Canada, the minimum is 5% on the first $500,000 of the purchase price and 10% on the portion above that. With 20% or more, you avoid mortgage default insurance entirely.
What's the difference between pre-qualification and pre-approval?
A pre-qualification is a quick estimate based on numbers you provide. A pre-approval is lender-verified — your documents are reviewed and a rate is held, usually for up to 120 days, which makes your offers stronger.
Will shopping around for rates hurt my credit?
No — multiple mortgage inquiries made within a short window are typically treated as a single inquiry by the credit bureaus. That's the advantage of one application shopped across many lenders.
How long does an approval take?
A pre-approval can often be turned around in 24-48 hours once your documents are in. Full approval depends on the lender, your file and the property, but most standard purchases are fully approved well within the financing condition period.
Ready to see what you qualify for?
Start your pre-approval online — it takes about 2 minutes and there's no obligation.
Contact
Let's talk about your mortgage
Send a few details and I'll follow up within one business day.
Melod Nawabi
Mortgage Agent — Level 1
111 Gordon Baker Road
Toronto, ON M2H 3R1