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Salt Spring Island Mortgage Broker
Chantelle Benzies is a Licensed Mortgage Broker in Salt Spring Island, BC, offering a friendly, approachable mortgage service for residential and commercial mortgages in Salt Spring Island, BC.
A Mortgage In Salt Spring Island
You've come to the right place to find a fantastic mortgage solution in Salt Spring Island!
Whether you're purchasing a property in Salt Spring Island, renewing/refinancing your mortgage, or seeking mortgage solutions which may allow you to consolidate debt or take advantage of a line of credit for a project, I'm here for you.
I'm Chantelle Benzies, an ethical licensed Salt Spring Island mortgage broker who values honesty, transparency and trusting relationships. My team and I are proud to provide an organized, streamlined process which allows our clients (that's you!) to enjoy a simple, positive mortgage experience.
To learn about some of the mortgage services I offer in Salt Spring Island, continue reading below!
Purchasing Your First Home In Salt Spring Island
There's an abundance of information to learn about purchasing a home as a first time home buyer in Salt Spring Island!
There are many qualification factors to be met when purchasing a home, but have no worries - I'll gather all the necessary information to do an accurate assessment on your behalf.
Being a first time home buyer can be an intimidating process, which is why I'm here to help you get pre-approved as well as navigate potential mortgage application challenges (such as being self-employed).
I thoroughly enjoy helping first time home buyers in Salt Spring Island - it's a huge milestone in your lifetime and it's always a huge honour for me to be a part of it!
Is Your Salt Spring Island Mortgage Up-To-Date?
Is your Salt Spring Island mortgage still working for you?
After factoring in potential fees and pre-payment penalties, is refinancing your Salt Spring Island mortgage is a desirable option?
Or are you curious to explore debt consolidating solutions such as a Home Equity Line of Credit? (HELOC)
As a licensed Salt Spring Island mortgage broker, it'd be my pleasure to help! If bad debt is weighing you down, If bad debt is weighing you down, there are often creative (and ethical!) mortgage solutions which can help.
Paying down your debt where possible can positively impact your credit score. Psst! Your credit score is a big factor lenders assess regarding your borrowing file - keeping a high score is something lenders will want to see! ('credit 101')
Here She Comes, Your Salt Spring Island Mortgage Renewal!
Don't wait until the last minute!
Connecting with myself (your licensed Salt Spring Island mortgage broker) months before your renewal date is a GREAT way to explore your mortgage options and get set up with a mortgage deal which perfectly matches your lifestyle and goals.
I'll utilize my system of countless lenders to negotiate a super competitive mortgage renewal fit perfectly to your lifestyle and goals.
There are so many possibilities for your Salt Spring Island mortgage renewal, why settle on just one?!
Diving Into Your Salt Spring Island Mortgage Options
Listen, I understand how confusing the mortgage world can be.
Before becoming a licensed mortgage broker, I was barely aware of how choosing a fixed vs. variable rate, an open vs. closed mortgage, or how a 15 vs. 25 year amortization could affect my over all cost of borrowing.
There's a lot to take in!
Part of my job as a licensed Salt Spring Island mortgage broker is educating my clients and helping them to understand their options. There's no such thing as a 'dumb' question - I encourage questions because it helps set you up for a comfortable, confident mortgage experience!
It would be my pleasure to provide a clear picture of how different variables and choices can affect your mortgage in Salt Spring Island.
Perks Of A Licensed Mortgage Broker
A licensed mortgage broker (such as myself) will always put your best interests first.
How can you be sure?
Because if I don't, I could lose my license as a mortgage broker. That's right! I'm licensed to put my clients best interests first, always.
In addition to this, I put your best interests first not because I'm legally bound to, but because I WANT to.
As someone who spent years in the service industry, it's ingrained in me to always be the helping hand for my 'customers' ('clients') to help them into a better position than when we first met.
I'll do my very best to ensure your mortgage is attentively cared for and well-thought out.
A Salt Spring Island Mortgage You'll Love
Let's get you set up on an incredible Salt Spring Island mortgage journey.
I'd love to learn about your Salt Spring Island 'mortgage story' so that we can work together towards fitting you with an optimal mortgage solution.
I'm Chantelle Benzies (licensed Salt Spring Island mortgage broker); to get to know me on a more personal level, visit my 'About Me' page (or my Instagram page: @chantellemortgages).
Ready to chat about the possibility of purchasing a home in Salt Spring Island, or to discuss your other Salt Spring Island mortgage options? I'm here for you.
Let's connect today for a no-risk phone call to explore your mortgage options!
***other conditions may apply to anything listed above. The information provided on this page should NOT be implicitly relied upon, and may not be 100% up to date. It's best to contact us for the most current conditions/program offerings for first time buyers***
Why Choose Us?
We're licensed mortgage brokers working hard for you!
Licensed Mortgage brokers are independant agents who are part of a mortgage brokerage, and not employeed by the lender. We act as your representative in finding the best solution (eg: best rate, better paydown options etc..) for your unique situation.
In most cases residential Salt Spring Island mortgages are free of charge to you as the borrower. The lender pays us a commission for our service. Commercial mortgages in Salt Spring Island will be charged a broker fee, which varies.
Each situation is different, which is why we encourage you to first phone us for a brief no obligation consultation.
Your Whole Picture Matters
Finding the right mortgage solution isn't always a clear picture, but we can help!
More often than not borrowers find themselves chasing things that may not actually be their best mortgage solution. We often hear clients wanting the best mortgage rate in Salt Spring Island, when in reality that's only one piece of the puzzle.
What if that Salt Spring Island special mortgage rate came with limitations on other aspects of the mortgage that also meant something to the you? It's our job to understand what you're truly after, and present you with available mortgage options.
