Leslie Penney - Mortgage Broker

Leslie Penney - Mortgage Broker Leslie Penney | 🏆2025 Mortgage Broker of the Year

Award-Winning Mortgage Broker serving Newfoundland & Labrador & Atlantic Canada.
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Mortgages, Renewals, Refinancing, Debt Consolidation & First-Time Home Buyers. Owner, East Coast Mortgage Brokers. ⭐⭐⭐⭐⭐

Your down payment is not just a target.It is part of the overall plan.Before deciding how much to put down, it is worth ...
09/07/2026

Your down payment is not just a target.
It is part of the overall plan.

Before deciding how much to put down, it is worth looking at:

✔ Your savings
✔ Closing costs
✔ Moving expenses
✔ Home setup
✔ Emergency savings
✔ The monthly mortgage payment you are comfortable carrying

A larger down payment can be helpful, but the biggest down payment is not automatically the best plan for every buyer.

The goal is to build a plan that works for the purchase and still leaves room for life after closing.

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

Next weekLet’s Talk Down Payments 💵🏡• How much do you need?• Where can the money come from?• How much should you keep in...
09/06/2026

Next week
Let’s Talk Down Payments 💵🏡

• How much do you need?
• Where can the money come from?
• How much should you keep in savings?
• Does putting more down always make sense?

That is where we are going next week.

Stay tuned. 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

Your first home does not have to check every box you will ever have.It just needs to work for the stage of life you are ...
09/05/2026

Your first home does not have to check every box you will ever have.

It just needs to work for the stage of life you are in now.

Sometimes that means a smaller home.

Sometimes it means a different neighbourhood.

Sometimes it means choosing comfortable over impressive.

The important thing is that the decision works for you.

Enjoy your weekend!
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

FAQ FRIDAYDo I need to have everything saved before I talk to a mortgage broker? 🤔No.Sometimes the first conversation ha...
09/04/2026

FAQ FRIDAY

Do I need to have everything saved before I talk to a mortgage broker? 🤔
No.

Sometimes the first conversation happens well before someone is ready to buy.

Maybe you are still building your down payment.

Maybe you are paying down a debt.

Maybe you are trying to understand how much more you need to save.

That is still a good time to talk.

You do not need to arrive with everything perfectly lined up.

Sometimes my job is simply helping you understand:

Where are you today?
What do you still need?
What should the next step be?

Knowing is better than guessing.
Let's have that conversation.

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

Your down payment is not the whole budget.First-time buyers should also think about:✔ Closing costs✔ Inspection✔ Insuran...
09/03/2026

Your down payment is not the whole budget.

First-time buyers should also think about:
✔ Closing costs
✔ Inspection
✔ Insurance
✔ Moving
✔ Home setup
✔ Emergency savings

I like to think of it in four buckets:

🪣 Down payment.
🪣 Closing.
🪣 Move-in.
🪣 Emergency.

Plan for the whole purchase, not just the amount that gets you through the door.

Want to learn more? Let's chat!
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

Buying your first home? Start here. 🏠Do not try to learn the whole process in one night.Start with your financial pictur...
09/01/2026

Buying your first home? Start here. 🏠

Do not try to learn the whole process in one night.

Start with your financial picture.

Before you seriously begin house hunting, let’s understand:
✔ Your income
✔ Your current debts
✔ Your savings
✔ Your down-payment plan
✔ Your credit picture
✔ Your comfortable monthly budget
✔ The other costs you need to prepare for

Then we can talk about your purchasing range and what happens next.

Your first step does not have to be complicated.

It just has to give you direction.

Throughout September, I’ll be breaking down First-Time Home Buying one question at a time.

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

August has been about getting mortgage-ready.Now we’re moving into a new month and a new topic.Starting tomorrow, I’m go...
08/31/2026

August has been about getting mortgage-ready.

Now we’re moving into a new month and a new topic.

Starting tomorrow, I’m going to focus on first-time home buying and the questions that usually come up before, during and after the search for that first home.

We’ll talk about things like:

✔ Where to start
✔ How to think about your down payment
✔ What costs to prepare for
✔ How mortgage insurance fits into the process
✔ What happens if you already have debt
✔ What happens after you find the right home

My goal is to keep it simple.

Plain language.

Practical information.

One step at a time.

September is all about First-Time Home Buying Made Clear.

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

August has been all about helping buyers understand mortgage pre-approval and buyer readiness.We started with what to do...
08/30/2026

August has been all about helping buyers understand mortgage pre-approval and buyer readiness.

We started with what to do before house hunting.

Then we talked about what a good pre-approval should tell you, what happens after you're pre-approved, how to stay prepared while you search and, this week, how credit fits into the mortgage picture.

There has been one message running through all of it:

Prepare. Understand. Stay ready.

A good pre-approval isn't just about getting a number.

It's about understanding where you stand financially before you're making one of the biggest purchasing decisions of your life.

And being prepared doesn't mean everything has to be perfect.
It means you have a plan.

As August comes to a close, we're also wrapping up this month's Pre-Approval & Buyer Readiness series.

Then we're moving into something new.

September: First-Time Home Buying

We'll be talking about the questions first-time buyers ask me every day, including down payments, closing costs, mortgage insurance, existing debts, what happens after an accepted offer and much more.

If buying your first home is somewhere on your radar, September is for you.

Thanks for following along this month. 😊

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

There is a big difference between being prepared and trying to make everything perfect.That applies to more than mortgag...
08/29/2026

There is a big difference between being prepared and trying to make everything perfect.

That applies to more than mortgages.

Most big decisions in life come with a few unknowns.

You gather the information.

You ask good questions.

You make the best plan you can.

And then you move forward when it feels right.

Homeownership is no different.

Preparation gives you confidence.

Perfection usually just keeps moving the finish line.

If buying a home is something you're working toward, give yourself credit for taking the time to understand the process.

Have a great weekend. 😊

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

Pre-Approval FAQ“Does my credit have to be perfect to buy a home?” 🤔🏡No.And this is an important one.I don't want someon...
08/28/2026

Pre-Approval FAQ

“Does my credit have to be perfect to buy a home?” 🤔🏡

No.
And this is an important one.

I don't want someone avoiding a mortgage conversation because they looked at a credit score and decided on their own that they could not buy.

Your credit is one part of the picture.

We may also need to look at:

• Your income
• Your employment
• Your current debts
• Your down payment
• Your overall financial history
• The property
• The lender's requirements

Maybe you're ready now.

Maybe there is something we should work on first.

Either way, knowing is better than guessing.

You don't need to show up with a perfect financial life.

You need an honest picture of where you stand so we can determine what the next step may be.

Know the picture. Build the plan.

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

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

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