Michelle Kelly helps people with what might be the biggest purchase they will ever make in their lives — buying a home.
“That’s a big deal to me and I don’t take that responsibility lightly,” Kelly says. “I believe that every working Canadian should have the opportunity to own their own home and I am committed to making sure that my clients get there.”
Mortgage brokers serve as an intermediary between buyers and lenders. Using a mortgage broker offers the advantage of an independent resource who is comparing financing options to find the best one possible. Even if you are a long-time customer of your bank, you may not be getting the best mortgage rate possible.
“As an independent mortgage broker, I work for the client and not the bank,” Kelly says.
"I often say to my clients – 'your current bank isn’t going to tell you to walk across the street and go to a competitor bank, but I will.' I explore all the offers and choose the best option. That’s what I love about my job. I provide my clients with choice and options at no cost to them.”
Kelly originally began her career in Real Estate as a Realtor. While selling condos on a leasehold development in North Vancouver, she witnessed the struggles some buyers had trying to secure financing through their banks, while also seeing the success of those who opted to work with a mortgage broker.
“I decided to switch over to the lending side of real estate at that point in time, that’s when I became a mortgage broker,” Kelly says.
For the past three years, Kelly has been awarded the Verico Executive Club award, which celebrates broker excellence and professionalism across Canada.
She believes that the secret to her success boils down to a simple recipe, work hard, have a great team surrounding you and always give back to the community that supports you.
This past month Kelly presented to the local high school graduation class on the importance of managing money, especially when it comes to your credit.
“In my line of work I see just how important your credit score is when it comes to your borrowing power and more importantly your borrowing rate,” Kelly says. “I have set out on a mission to help educate youth on this topic because I believe this will have a huge impact on their future”
To learn more about Michelle Kelly’s mortgage broker services, visit her website at teamkelly.ca.