What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Leslie Penney - Mortgage Broker

Home
Canada
St. John's , NL
Leslie Penney - Mortgage Broker

Call Directions Website Contact the business

Leslie Penney | 🏆2025 Mortgage Broker of the Year

Award-Winning Mortgage Broker serving Newfoundland & Labrador & Atlantic Canada.
(228)

Mortgages, Renewals, Refinancing, Debt Consolidation & First-Time Home Buyers. Owner, East Coast Mortgage Brokers. ⭐⭐⭐⭐⭐

11/02/2026

Do you know how much equity you've built in your home? 🏡🤔

It's something many homeowners don't think much about until they're considering renovations, refinancing, or another financial decision.

But understanding your home equity is an important part of understanding your mortgage.

Simply put, home equity is the difference between what your home is worth and what you still owe against it.

And over time, as you make mortgage payments and your property's value changes, that equity can grow.

But here's what I always want homeowners to understand: having equity doesn't mean you need to use it.

Sometimes the most valuable thing you can do is understand where you stand.

This week, I'll be sharing some helpful information about home equity, how it works, and what you should consider before making any decisions.

If you have questions about your mortgage, my team and I are always happy to help! Contact me today. 👇🏻

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

Together, we've got this. 🏡🤍

11/01/2026

A new month, and a new conversation about homeownership. 🏡

Over the past few weeks, I've been sharing advice about understanding mortgage options and making informed decisions.

As we move into November, I want to talk about something homeowners often have questions about.

Home equity.

‣ What is it?

‣ How does it build over time?

‣ And what should you understand before considering using it?

For many homeowners, equity is an important part of their financial picture, but it's not always something they fully understand.

Throughout November, I'll be sharing practical information about home equity, renovations, refinancing, and the things worth considering before making financial decisions involving your home.

No complicated explanations. Just helpful information to make things a little clearer.
Because understanding what you've built is just as important as understanding what you owe.

Looking forward to another month of conversations.

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

Together, we've got this. 🏡

10/31/2026

There's something special about this time of year in Newfoundland and Labrador. 🍂🏡

Cooler evenings, colourful leaves, neighbourhoods getting ready for Halloween, and families making memories together.

It's a nice reminder that a home is so much more than a mortgage or an address.

It's where everyday life happens.

The little moments, the traditions, and the memories we carry with us.

Whatever your plans are this weekend, I hope you get to enjoy some of those moments with the people who matter most.

Wishing everyone a safe and happy Halloween!

🌐 LesliePenney.ca

10/30/2026

Heading into 2027? Is your mortgage part of your plan? 🏡

Before another year begins, it's worth taking a little time to understand where things stand with your mortgage.

‣ Do you know when it renews?

‣ Are your payments still comfortable?

‣ Do you have options to pay it down faster?

‣ Have your financial plans changed?

‣ You don't need to wait until renewal to ask questions about your mortgage.

And reviewing your options doesn't mean you need to change anything.

Sometimes it's simply about having a conversation, understanding where you stand, and feeling confident about what comes next.

If it's been a while since you've reviewed your mortgage, send me a message.
My team and I would be happy to help.

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

Together, we've got this.🏡

10/29/2026

Bank of Canada Rate Update! 📢

Yesterday's interest rate increase has many homeowners wondering what it means for their mortgage. 🏡

In this quick video, I break down the latest announcement and what it could mean for you.

Take a watch! 🎥

Have questions about your mortgage? My team and I are always happy to help!

🌐 LesliePenney.ca

10/29/2026

Sometimes the best mortgage decision is not to change anything. 🏡

Imagine a family in Conception Bay South preparing for the year ahead.

Their income has increased, a vehicle loan is almost paid off, and they're thinking about renovating.

Naturally, they start wondering if they should make changes to their mortgage.
But after reviewing their current balance, renewal date, prepayment options, and financial plans, they realize something important.

They may already be in a good position.

Instead of rushing into new borrowing, they decide to keep saving and revisit their options later.

That's something I want homeowners to understand.

A mortgage review isn't always about refinancing or changing lenders.

Sometimes it's about finding clarity and knowing you're on the right track.

My team and I are here to help you understand your options and make decisions that work for you.

Let's have a conversation!
Together, we've got this. 🏡

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

10/28/2026

🚨 BREAKING 🚨

Bank of Canada Announces Interest Rate Increase | October 28, 2026

The Bank of Canada announced today that it has increased its key interest rate by 0.25%, making Prime Rate now 4.70%.

So, what does this mean for your mortgage?

If you have a variable-rate mortgage, your mortgage rate will likely increase by 0.25%, assuming your lender adjusts its prime rate by the same amount.

Depending on your mortgage terms, this could mean higher monthly payments or more of your existing payment going toward interest.

If you have a fixed-rate mortgage, your current rate won't change as a result of today's announcement. However, if your mortgage is coming up for renewal, now is a good time to start reviewing your options.

The Bank of Canada's decision comes as inflation continues to put pressure on the economy, particularly with higher energy prices and ongoing global uncertainty.

Here's what I always remind homeowners: Interest rates are important, but they're only one part of your mortgage.

Whether you're buying a home, approaching a renewal, or wondering how today's announcement affects you, understanding your options can make all the difference.

My team and I are here to help you navigate these changes and make informed decisions that work for your financial situation.

Have questions about your mortgage? Reach out. We're always happy to help!

📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

10/27/2026

Five things worth checking on your mortgage before 2027. 🏡

You don't have to wait until renewal to understand how your mortgage is working for you.

Here are five things I encourage homeowners to review:

➡️ Mortgage Balance: Know how much you have remaining.

➡️ Monthly Payments: Are they still comfortable for your household?

➡️ Prepayment Options: Do you have the ability to make additional payments?

➡️ Renewal Date: Know when your current agreement ends.

➡️ Your Plans: Does your mortgage still suit what you have planned for the next few years?

These may seem like small details, but they're important when it comes to understanding your overall financial picture.

And remember, a mortgage checkup doesn't mean you need to make changes.

Sometimes, it's about knowing you're already on the right track. Ready to have a conversation? Let's chat!

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

10/26/2026

Before we head into 2027, here's something worth checking in on.
Your mortgage. 🏡

We review our budgets, savings, and plans for the year ahead, but sometimes our mortgage gets overlooked.

And for many of us, it's one of our biggest financial commitments.

Here are five things I encourage homeowners to review:

✔ Your current mortgage balance
✔ Whether your payments still fit your budget
✔ Your prepayment options
✔ When your mortgage renews
✔ Whether your mortgage still fits your future plans

A mortgage checkup doesn't mean you need to change anything.

Sometimes, it's simply about knowing where you stand and feeling confident about the year ahead.

If it's been a while since you've reviewed your mortgage, my team and I are happy to help.

Together, we've got this. 🍁🏡

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

10/25/2026

Looking Ahead to 2027 🍂🏡

As we get closer to the end of another year, many of us start thinking about what's ahead.

Our plans, our priorities, and the things we'd like to accomplish in the new year.

But there's one important part of our financial picture that can sometimes get overlooked.

Our mortgage.

Next week, I'll be sharing a few simple things homeowners can review before heading into 2027.

Because understanding where you stand today can help you feel more confident about tomorrow.

And here's something I always remind my clients: reviewing your mortgage doesn't necessarily mean you need to change anything.

Sometimes, it's simply about knowing you're already on the right track.

Looking forward to sharing more with you next week!

Leslie Penney | Owner/Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.764.4744 🌐 LesliePenney.ca

Together, we've got this. 🏡🍁

Address

141 Torbay Road
St. John's, NL
A1A2H1

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17097644744

Website

http://www.lesliepenney.ca/

Alerts

Be the first to know and let us send you an email when Leslie Penney - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.