Noah Zanbilowicz, Mortgage Broker

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Noah Zanbilowicz, Mortgage Broker

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10/16/2026

FAQ Friday

If I switch mortgage lenders, does my mortgage start over?

Not simply because you changed lenders.

One thing that often causes confusion is the difference between your mortgage term and your amortization.

Your term is the period covered by your current mortgage agreement.

Your amortization is the longer period over which the mortgage is being repaid.

Changing lenders does not automatically mean going back to day one.

Your existing balance and remaining repayment timeline still matter.

If those two mortgage terms have ever confused you, you are definitely not alone.

Contact me today and let's have a conversation.
Together, we’ve got this. 🏡

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/15/2026

Has anything changed since your last mortgage term began?

Maybe you:
✔ Changed jobs
✔ Became self-employed
✔ Changed how you earn income
✔ Paid off debt
✔ Took on a new payment
✔ Had changes in your credit

If your renewal is approaching, do not automatically decide what those changes mean.

Especially if you are interested in exploring another lender.

Action step: Tell me what changed early in the renewal conversation.

Then we can look at the actual picture instead of making assumptions.

Together, we’ve got this. 🏡

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/13/2026

If you switch mortgage lenders, what actually changes?

It can be more than the name on your mortgage statement.

Depending on the mortgage, you may have a different:
✔ Lender
✔ Regular payment
✔ Mortgage term
✔ Payment schedule
✔ Online account
✔ Mortgage features
✔ Servicing process

That is because you are entering into another mortgage agreement.

Action step: If you are considering another lender, ask me to show you what would actually be different from the mortgage you have today.

Understanding the change makes the decision much clearer.

Together, we’ve got this. 🏡🤍

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/12/2026

What actually happens if you decide to switch mortgage lenders at renewal?

There is more happening behind the scenes than simply moving your payment somewhere else.

We start with the mortgage you already have.

Then we look at what you want from the next one.

If another lender is worth exploring, that lender reviews the application and confirms what information is needed.

Once there is an actual mortgage option, we can look at what it means for you.
Then you decide.

You do not need to know whether you want to switch before you start asking questions.

Action step: If your renewal is approaching, find your mortgage maturity date. That is a good place to start. Let's have a conversation today!

Together, we’ve got this. 🏡

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📩 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/10/2026

This Thanksgiving weekend, we are reminded that home is about so much more than a mortgage.

It is where people gather, slow down, reconnect, and appreciate what matters most.

At The Leslie Penney Team, we are especially grateful for our clients, our community, and the trust people place in us during such important moments in their lives.

Whether your weekend is full of family, tradition, quiet time, or a little extra rest, we hope it brings comfort, gratitude, and meaningful moments.

Wishing you a warm and heartfelt Thanksgiving weekend. 🍁🤍

🌐LesliePenney.ca

10/09/2026

Should I automatically choose the lowest mortgage renewal rate?

Not necessarily.

Rate matters.

But I also want you looking at:

✔ Term
✔ Payment
✔ Prepayment privileges
✔ Penalty structure
✔ Portability
✔ Flexibility
✔ Your future plans

If there is a good chance you will move, refinance or make changes during the next term, those details can become very important.

Compare the mortgage, not just the rate.

Let's have a conversation and see what option is best for you!

Together, we’ve got this. 🏡

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/08/2026

When should you start thinking about your mortgage renewal? 🗓️🤔

Earlier than many homeowners do.

I generally recommend starting the conversation four to six months before your maturity date.

Not because you need to choose your next mortgage immediately.

Because time gives you options.

• Time to review.
• Time to compare.
• Time to ask questions.
• Time to understand whether anything should change.

Do not wait until renewal feels urgent. Let's have the conversation today!

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/06/2026

Before you renew your mortgage, review more than the rate. 🏡

Here are six things I want homeowners thinking about:

1. Your payment
Does it still fit comfortably?

2. Your term
How long do you want to commit?

3. Fixed or variable
What level of payment and rate certainty suits you?

4. Mortgage features
Prepayments, portability and flexibility matter.

5. Your plans
Could you move, renovate or make a significant change during the next term?

6. Your lender options
Do you understand what else may be available?

A renewal is a chance to make sure your mortgage still works for the life you are living now.

Rate matters. The whole mortgage matters more.

Before you renew your mortgage, reach out and let's chat.

Noah Zanbilowicz | Mortgage Broker
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917 🌐 LesliePenney.ca

10/04/2026

A new month deserves a new mortgage conversation.

September was focused heavily on first-time home buyers.

We talked about:
‣ Down payments.
‣ Closing costs.
‣ Mortgage insurance.
‣ Existing debt.

And how all of those pieces fit together.

Now we are turning the page.

Next week, we begin a new October topic focused on mortgage renewals.

‣ When should you start?
‣ Do you have to stay with your current lender?
‣ Is the rate the only thing that matters?
‣ What should you review before signing?

And what if your life or financial situation has changed since your last mortgage term?

October is going to be about making renewal decisions easier to understand.

New month. New questions. Clear information.

Together, we’ve got this. 🏡

Noah Zanbilowicz | Mortgage Associate
The Leslie Penney Team | East Coast Mortgage Brokers
📧 [email protected] 📲 709.749.4917🌐 LesliePenney.ca

10/03/2026

There is something good about a slower Saturday.

A coffee.
A favourite spot.
A little fresh air.

Time with the people you care about.

And maybe a to-do list that can wait until tomorrow.

We spend a lot of time planning what comes next.

Sometimes the best part is simply enjoying where you are today.

Hope there is something good in your Saturday. 🤍

🌐 LesliePenney.ca

Address

141 Torbay Road
St. John's, NL
A1A2H1

Telephone

+17097494917

Website

https://app.scarlettnetwork.com/NoahZ

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