Come explore a quick comparison of variable and fixed rate mortgages. Knowing the difference can save you tons.
Bow Island Mortgage Broker
Kyle Benzies is a highly acclaimed Licensed Mortgage Broker, renowned for his expertise in Residential & Commercial Mortgages in Bow Island, AB. Great rates and industry-leading mortgage solutions tailored for your Property Purchase, Refinance, Renewals, and more near Bow Island, AB.
Buying A Home In Bow Island
The decision to purchase a home is a significant one, especially if you're a first time home buyer!
When beginning the home buying process, connecting with a licensed Bow Island mortgage broker is a very beneficial first step. If you’re a first time home buyer, a licensed Bow Island mortgage broker (such as myself!) will be happy to determine whether you qualify for the First Time Home Buyer Incentive, and help you get pre-approved for a mortgage.
Pre-approval will help you stay within your budget, as well as mitigate mortgage application challenges you may face (such as being self-employed).
Already Own Your Home And Need To Refinance?
You’ve come to the right place!
Depending on pre-payment penalties and other associated factors, refinancing your Bow Island mortgage has potential to set you on a better mortgage journey.
If you’ve found yourself in a financial position where your credit score isn’t optimal, learning tips from 'credit 101' is a useful first step.
Has your credit score taken a hit due to missed or late payments? You may be interested in mortgage solutions to help you manage your bad debts more efficiently (such as a Home Equity Line of Credit [HELOC], which consolidates debts into one, lower interest rate).
Connect with myself (your trusted licensed Bow Island mortgage broker) for a judgement-free chat about your options.
Freshen Up With A Renewal
Your Bow Island mortgage renewal is your opportunity to look your mortgage in the mirror, and decide how you can freshen it up to suite your current lifestyle and goals.
Your lender will send you a notice before it’s time to renew your Bow Island mortgage. To prepare for your renewal, get in touch with your licensed Bow Island mortgage broker months prior to your mortgage term maturing. This will allow them ample time to negotiate a highly competitive mortgage deal on your behalf.
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Considerations Over Your Mortgage Agreement
Your mortgage is one of the largest investments you'll likely make in your lifetime.
You have a right to be well-informed regarding your mortgage and all options which come with it.
Feeling overwhelmed by all your options? That's where I come in!
As a licensed Bow Island mortgage broker, I'd be happy to break down your mortgage options and guide you towards choosing a fixed vs. variable rate, an open vs. closed term mortgage, or a longer or shorter amortization period.
Let's simplify your mortgage experience!
If you're interested in beginning some of your own Bow Island mortgage calculations, my easy-to-use mortgage payment calculator is at your service.
Mortgage Brokers Work For Your Best Interests
Not only can a licensed mortgage broker assist you with answering questions and assessing your best mortgage options, they'll also put your needs FIRST. This is because licensed mortgage brokers are licensed to work for their client, and put their client's best interests first every step of the way.
When it comes to banks vs. brokers, mortgage brokers have more flexibility to negotiate competitive rates from multiple lenders, an added bonus for their clients!
Helping You With Your Mortgage Journey
Whether you’re considering purchasing your first home (congrats!), refinancing, or renewing a mortgage in Bow Island, I’d love to help.
I'm Kyle Benzies, a trusted licensed mortgage broker providing service to Bow Island with proven results and countless client success stories.
Our conversations are kept confidential, and you can feel peace of mind knowing that MY goal is to ensure you’re extremely satisfied with your mortgage.
Feel free to connect with myself for a no-risk phone call to begin discussing your mortgage journey!
***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 Bow Island mortgages are free of charge to you as the borrower. The lender pays us a commission for our service. Commercial mortgages in Bow 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 Bow Island, when in reality that's only one piece of the puzzle.
What if that Bow 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.
Bow Island Mortgage Services
Kyle Benzies offers a variety of mortgage services to its clients, including:
Knowledge Center
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