You might want to shop around for prices for this work. Engine doesn't have to be removed but I believe it has to be raised a bit for access. Complex job for DIY, read a service manual first.
Comments by TiQUe-bOy relate to the fact that chain tensioner is hydraulic, not sure if engine oil cleaner/flush and filter change would help, but it wouldn't hurt to try.
Edit: You've caught Terry Haines's eye, below, for other comments of his do a search using > timing chain.
98 Mystique LS v6 atx 110,000km 97 Contour LX v6 atx 125,000km stock CD on LS, cass on LX spoiler, tinted windows on LS only 4 wheel discs on LX only All other available options on both
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