Leslie Penney - Mortgage Broker
Nearby finance companies
Torbay Road, St. John's
Torbay Road, St. John's
Torbay Road, St. John's
Torbay Road, St. John's
Torbay Road, St. John's
Torbay Road, St. John's
Newcove Road, St. John's
Leslie is a successful mortgage broker for over 15 years. He is owner of East Coast Mortgage Brokers.
Bank of Canada Rate Announcement 🏡🚨
Watch to find out more! 👇🏻
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 lesliepenney.ca
09/02/2024
MOTIVATION MONDAY ✨
When a plan doesn't work out as expected, remember: it's just a detour, not a dead end! 🚧✨ Success isn't always a straight path, and every setback is an opportunity to learn and grow. Keep your eyes on the prize, adjust your approach as needed and have a great week everyone!! 🎯
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
09/01/2024
Hello September! 🍂 As we welcome the cozy vibes of fall, it’s the perfect time to start thinking about your future. Are you ready to turn your dream of homeownership into a reality? 🏡✨
Let’s talk mortgages! Whether you’re a first-time buyer or looking to upgrade, I’m here to guide you through the process, answer your questions, and help you find the perfect financing options that fit your needs!
This month could be the beginning of your exciting journey towards owning your dream home! Visit WWW.LESLIEPENNEY.CA and apply online today! 🏡
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/31/2024
Happy Labor Day Weekend, everyone! 🌟 Have a safe and happy long weekend! 😊
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/30/2024
Dreaming of finding your perfect home? ☁️🥰 The journey starts with one simple step: getting PRE-APPROVED for your mortgage! 🌟
Why is a pre-approval so important?
➡️ Know Your Budget: A pre-approval helps you understand how much you can afford, making your home search focused and efficient.
➡️ Stronger Position: Being pre-approved shows sellers you’re a serious buyer, giving you an edge in a competitive market.
➡️ Faster Process: With pre-approval, you streamline the purchasing process, allowing you to close on your dream home more quickly.
Ready to take the leap? Visit WWW.LESLIEPENNEY.CA and apply for your pre-approval online today! 🏡✅
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Is your mortgage coming up for renewal in the next six months? 🏡💰 DO NOT just sign on the dotted line with your current lender! 📄🔒
Working with a Mortgage Broker can open the door to a world of options from multiple lenders, potentially saving you thousands! 💸✨
Why settle for the same old rates when you can explore better deals? Let's make sure you’re getting the best bang for your buck! Reach out to my team and I today to discuss your options and take control of your mortgage renewal or visit WWW.LESLIEPENNEY.CA and apply online today! 💪🔑
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/27/2024
Are you ready to take the next step toward home ownership? 🏠✨ Let’s make your dream a reality together!
As your trusted mortgage broker, I’m here to guide you through the entire process and ensure you find the right financing for your new home.
Turn your home ownership dreams into a reality. Visit WWW.LESLIEPENNEY.CA and apply online today!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/24/2024
Happy Saturday everyone, have the BEST weekend!! 😊
Visit WWW.LESLIEPENNEY.CA and apply online today!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Thinking about switching your mortgage? 🌟🏡
Don’t make a move without talking to an expert Mortgage Broker (that’s me!) to explore what your best options are! 💬
Let’s chat and make sure you’re getting the most out of your mortgage! 💪✨
Visit WWW.LESLIEPENNEY.CA and apply online today!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/19/2024
🌟✨ New Day, New Week, New Goals! Let’s get started! 💪🚀
Today is a blank slate! Let’s crush our goals together and make this week our best one yet! 🙌
Visit WWW.LESLIEPENNEY.CA and apply online today!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/18/2024
Residential Market update 🏡
Residential Market Commentary - Housing concerns moderate at BoC
A consistent concern as the Bank of Canada embarks on its interest rate cutting cycle has been what will happen to home prices. There have been persistent fears that prices will spike as rates fall, effectively stalling efforts to bring down inflation. The Bank of Canada, however, is not overly worried about it, according to the governing council’s latest Summary of Deliberations.
The central bankers are paying close attention to the housing market but their worries about pent-up demand driving prices higher as interest rates drop have eased. They do acknowledge that declining mortgage rates and higher-than-expected population growth “could add to demand.” But there is also a feeling that “housing affordability challenges could have played a greater-than-expected role in dampening demand” and that delays in building homes could limit the growth of supply.
So far, housing market reaction to the rate cuts that have been made is mild. There have been some upticks in sales and in new listings. The Bank of Canada’s trend-setting policy rate is currently 4.50%.
A number of market watchers have commented that the Bank of Canada seems satisfied with the progress that is being made to bring inflation back to its 2.0% target. The Consumer Price Index puts headline inflation at 2.7%. The analysts suggest the Bank is now shifting its focus away from inflation and toward maintaining economic growth and avoiding a recession.
The Bank’s next interest rate announcement is set for September 4th.
(Source: First National)
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/17/2024
Life's soundtrack may surprise us sometimes, but the way we move to the rhythm is all in our hands!🎶✨ Have a great weekend everyone!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/15/2024
🏡✨ Are you ready to embark on the journey to your dream home? 🏡✨
Let us be your trusted mortgage broker to guide every step of the way! From getting pre-approved to closing day, we’re here to ensure a smooth and stress-free experience. Here’s how we’ll work together:
➡️ Pre-approval: Get started with confidence!
➡️ Time to shop: Explore your options with peace of mind.
➡️ Make an offer: Work with your Realtor to lock in the purchase!
➡️ Send Purchase and Sale Agreement: Send it to us and let’s get started on your application!
➡️ Work through lender conditions: No stone left unturned!
➡️ Broker complete: We bring it all together.
➡️ Finalize with lawyer & realtor: Coordination made easy!
➡️ Closing day: Celebrate your new home!
➡️ Refer the Leslie Penney Team to friends and family: Share the love! ❤️
Let’s turn your dream into an address! Contact us today to get started! 🏠💖
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/10/2024
Happy Saturday everyone, have a great weekend! 😊
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
08/09/2024
Looking for a mortgage pre-approval? We’ve got you covered! 🔑🏡
The Leslie Penney Team is here to guide you through the process and help turn your dream into a reality. Visit www.lesliepenney.ca and apply online today!🙌🏻🏡
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Bank of Canada Rate Announcement 🏡🚨
Watch to find out more! 👇🏻
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 lesliepenney.ca
07/23/2024
Residential Market Update 🏡
Residential Market Commentary - High expectations for lower rates
Back in June the Bank of Canada came through with some long desired interest rate relief. It clearly signalled the rate hiking cycle was over with a quarter-point cut that put the trend-setting policy rate at 4.75%.
The economic forecasters took a quick look at what might happen in the coming weeks and months and most of them packed up their crystal balls for the summer. The broad consensus was there would be no movement on interest rates until September.
Well, that changed in a hurry. Chances of another quarter-point cut, at the July setting this week, are now seen to be more than 90%.
Here is what happened. Canada’s June inflation reading dipped again, dropping back down to 2.7% after climbing to 2.9% in May. The expectation had been for no change at all.
Canada’s job market continued to show weakness. The unemployment rate rose to 6.4% in June, up two-tenths of a percentage point from May. Fourteen-hundred jobs were lost. Expectations had been for the creation of 25,000 positions.
Consumers have curtailed spending. Retail sales, which account for about 60% of Canadian GDP, dropped 0.8%, month-over-month in May. It is estimated that June will see a further 0.3% decline.
And finally, inflation in the U.S. is showing steady signs of decline. It dropped to 3.0% in June, down from 3.3% in May. Expectations are for a Federal Reserve rate cut in September. That, in turn, eases concern here about “divergence” (Canadian rates being so much lower than U.S. rates that the value of the Loonie falls).
(Source: First National)
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Happy Monday, everyone!
We're excited to kick off the week with a bang - MORTGAGE APPROVALS! 🙌🏻🚨
There's no better feeling than getting the green light on your dream home purchase. My team and I are here to help make that happen! 🏡✅🙌🏻
Ready to turn your homeownership dreams into a reality? Visit WWW.LESLIEPENNEY.CA to apply online today!!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Did you know using a Mortgage Broker can bring numerous benefits to your homebuying or refinancing experience? 🏡
As independent mortgage professionals, we are not tied to any one lender or range of products. We have access to a network of major lenders in Canada, so your options are extensive! We can quickly narrow down a list of those that suit you best. It makes comparison -shopping fast, easy, and convenient. 🏡🙌🏻
There is absolutely no charge for our services on typical residential mortgage transactions. We are generally paid by a finder's fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.😊
Even once your mortgage is signed and the paperwork is complete, my team and I are always here if you need any advice on closing details or even future referral needs.
Visit LESLIEPENNEY.CA and apply online today, or contact us for more information anytime!👇🏻
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
07/15/2024
Motivation Monday 🙌🏻
The most powerful step to achieving success is not a specific skill or talent, but rather a mindset. And that mindset is believing in yourself! 💫
You are capable of amazing things. Believe it, believe in yourself and have the absolute best week!! 🌟
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
07/13/2024
It's the experiences, the connections and the memories we create that stay with us forever. Have a great weekend everyone!! 😊
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
IT'S FRIDAY! High fives all around! 🙌🏻
To make this day even better, we're ready to get those mortgage pre-approvals rolling in before the weekend hits! Who's ready to start the weekend off right? Visit WWW.LESLIEPENNEY.CA and apply online today! 😊🏡
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
When you're ready to make that dream home a reality, it's crucial to be mindful of your financial moves.
Here are some important Home buying tips to avoid after applying for a mortgage:
➡️ DON'T change bank accounts
➡️ DON'T make any large purchases
➡️ DON't apply for new credit or close any accounts
➡️DON'T make any large deposits or transfers into your account before speaking with your Mortgage Broker.
➡️Don't co-sign loans for anyone.
By avoiding these common mistakes, you can help ensure a smooth and stress-free mortgage application process!
Visit WWW.LESLIEPENNEY.CA to apply online today!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
07/08/2024
It's a beautiful day to buy a home! ☀️🏡
If you've been thinking of taking the leap and becoming a homeowner, today is the perfect day to start making it happen! Visit WWW.LESLIEPENNEY.CA and apply online for your pre-approval and rate hold!! 🔑😊
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
07/06/2024
Life doesn't have to be perfect to be wonderful. It's often the imperfect moments that make life truly special! 😊
Have a great weekend everyone!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
07/05/2024
HAVE YOU HEARD OF THE FLEX DOWN PAYMENT MORTGAGE?
Buying a home can be challenging, especially when it comes to saving up for the necessary down payment. This is where the flex down payment mortgage may be a suitable option for you!
The flex down payment mortgage, otherwise known as the borrowed down payment or flex down, lets you buy a property from borrowed sources, such as a personal loan or unsecured line of credit.
If you have excellent income and a good credit score, you may be able to qualify for the flex down payment mortgage. 🙌🏻
Reach out to the Leslie Penney team today and we’d be happy to discuss it in further detail to see if it would be a fit for you! 👇🏻
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
Happy Canada day!! 🇨🇦🎈
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
06/29/2024
Happy Saturday everyone. Have a great long weekend!! 😊
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
The keys in hand, the front door open, and a sense of accomplishment washes over you. It's a feeling like no other! 🏡🔑
Let's make your mortgage happen together! As your trusted Mortgage Broker, my team and I will guide you through the process, providing expert advice and personalized service to ensure you get the best deal possible. Visit www.lesliepenney.ca to apply online and lets make your mortgage dreams a reality!
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
06/24/2024
Motivation Monday 🌸
Every great accomplishment, every incredible experience, and every breakthrough requires effort, perseverance, and sometimes even a little bit of discomfort. Never be afraid to take the leap. You've got this! Have a great week everyone!! 🙌🏻
The Leslie Penney Team
[email protected] 🏡 709.764.4744 🏡 www.lesliepenney.ca
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Expect The Most
At 35 years of age, Leslie is now an accomplished career mortgage broker after serving over a decade in the industry. He is a proud part owner and broker of East Coast Mortgage Brokers, who were recently named a finalist for the “Top Brokerage - Atlantic Canada” at the Mortgage Awards of Excellence while also being selected as a Consumer Choice Award winner for mortgages in the St. John’s market for 2019.
Leslie was most recently recognized as a “Young Gun;” one of the top brokers in the country under 35 by Canadian Mortgage Professional. A perennial top producing broker, Leslie has won numerous awards both nationally and regionally.
Best described as an energetic, hardworking and dedicated mortgage professional; Leslie seeks to connect with people and his community. His tireless work ethic and strong family values were instilled while growing up in a rural Newfoundland community of less than 100 people.
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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 |
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