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OUR OFFERINGS 

S Tier Mortgages offers various mortgage services to help you achieve your real estate goals. Whether you're a first-time home buyer, a real estate investor, or self-employed, we have the expertise to guide you through the mortgage process. Get started to learn more and take the first step towards your financial freedom.

Credit Score Repair

Credit Score Repair

A mortgage pre-approval estimates how much you can borrow and shows sellers you’re a serious buyer, helping you budget and negotiate confidently.

Debt Consolidation

Debt Consolidation

Debt consolidation combines multiple debts into one loan with a single payment, often at a lower interest rate, simplifying repayment and potentially saving money.

First Time Home Buyers

First Time Home Buyers

First-time homebuyers can benefit from tailored programs offering financial assistance, tax breaks, and guidance to make purchasing their first home more accessible and affordable.

Mortgage Renewals

Mortgage Renewals

Mortgage renewals are an opportunity to reassess your financial goals and secure a better rate. Let us guide you through the process, ensuring you get the best terms for your mortgage renewal.

Private Mortgage

Private Mortgage

A private mortgage is a loan provided by an individual or private institution instead of a traditional bank, offering more flexibility but often at higher interest rates.

Bridge Financing

Bridge Financing

Bridge financing is a short-term loan that helps cover the gap between buying a new property and selling your current one, providing temporary funds for a smooth transition.

Investment Property Mortgages

Investment Property Mortgages

Investment properties offer a powerful way to build wealth. Whether you're looking for rental income, property appreciation, or both, we can guide you through every step of the process to make your investment a success.

Mortgage Refinance

Mortgage Refinance

Mortgage refinancing can help you secure a better rate, lower your payments, or unlock your home’s equity. Let our experts guide you through the process to find the best option for your needs.

Financial Health Check

Financial Health Check

A financial health check for mortgages helps you assess your income, expenses, and credit to determine your readiness for homeownership and set realistic borrowing limits.

Pre-Approvals

Pre-Approvals

A mortgage pre-approval determines how much you can borrow and confirms your financial readiness, giving you a strong position when house hunting and negotiating with sellers.

Self Employed Mortgages

Self Employed Mortgages

Self-employed mortgages cater to individuals who have non-traditional income sources, offering flexible options based on business income or personal savings to help you secure a home loan.

Melody Salisbury Mortgage Broker

Let's Get You
Approved!

HOMEOWNERSHIP IS HERE

Melody Salisbury BRX Mortgage

License Number: 13463

© 2025 by S Tier Mortgages.

CONTACT

Melody Salisbury

Mortgage Agent Level 2

M23006015Me

Phone: 548 918-5152

Email: melody@stiermortgages.ca

SERVING ALL OF ONTARIO
BASED IN ST. THOMAS, ON

WORKING HOURS

Mon - Fri: 9am - 9pm

​​Saturday: By Appointment

​Sunday: By Appointment

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