{"version":"https://jsonfeed.org/version/1","title":"Leslie Penney Mortgage Broker","home_page_url":"https://lesliepenney.ca","description":"Leslie Penney Mortgage Broker","author":{"name":"Leslie Penney Mortgage Broker"},"items":[{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/switching-lenders-how-it-works-what-to-review-before-deciding","html_content":"

When your mortgage term comes to an end, your current lender will usually provide you with a renewal offer. For many homeowners, the easiest thing to do is sign it and move on. Sometimes that may be exactly the right dec...

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/switching-lenders-how-it-works-what-to-review-before-deciding","title":"Switching Lenders: How It Works + What to Review Before Deciding","summary":"When your mortgage term comes to an end, your current lender will usually provide you with a renewal offer. For many homeowners, the easiest thing to do is sign it and move on. Sometimes that may be exactly the right dec...","date_modified":"2026-10-12T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/when-should-you-start-reviewing-your-mortgage-renewal","html_content":"

One of the most common renewal mistakes is simply starting too late.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/when-should-you-start-reviewing-your-mortgage-renewal","title":"When Should You Start Reviewing Your Mortgage Renewal?","summary":"One of the most common renewal mistakes is simply starting too late.","date_modified":"2026-10-08T14:08:39Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-renewals-what-newfoundland-homeowners-should-know","html_content":"

A mortgage renewal can look deceptively simple. Your current lender sends you an offer. There is a new interest rate. There is a term. There is a place to sign. And it can be tempting to think:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-renewals-what-newfoundland-homeowners-should-know","title":"Mortgage Renewals: What Newfoundland Homeowners Should Know","summary":"A mortgage renewal can look deceptively simple. Your current lender sends you an offer. There is a new interest rate. There is a term. There is a place to sign. And it can be tempting to think:","date_modified":"2026-10-05T16:19:37Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/should-you-pay-off-debt-before-buying-a-home","html_content":"

If you have been saving for a home while also carrying debt, you may eventually face an important question:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/should-you-pay-off-debt-before-buying-a-home","title":"Should You Pay Off Debt Before Buying a Home?","summary":"If you have been saving for a home while also carrying debt, you may eventually face an important question:","date_modified":"2026-10-01T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/can-you-buy-a-home-with-debt-what-first-time-buyers-should-know","html_content":"

Having debt does not automatically mean you cannot buy a home. That is one of the most important things I want first-time buyers to understand.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/can-you-buy-a-home-with-debt-what-first-time-buyers-should-know","title":"Can You Buy a Home With Debt? What First-Time Buyers Should Know","summary":"Having debt does not automatically mean you cannot buy a home. That is one of the most important things I want first-time buyers to understand.","date_modified":"2026-09-28T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/down-payment-and-mortgage-insurance-how-they-work-together","html_content":"

Your down payment and mortgage insurance are connected. That is why I do not like discussing either one in isolation. The size of your down payment affects the mortgage structure.And depending on the financing, mortgage ...

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/down-payment-and-mortgage-insurance-how-they-work-together","title":"Down Payment and Mortgage Insurance: How They Work Together","summary":"Your down payment and mortgage insurance are connected. That is why I do not like discussing either one in isolation. The size of your down payment affects the mortgage structure.And depending on the financing, mortgage ...","date_modified":"2026-09-24T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-default-insurance-explained-in-plain-language","html_content":"

Mortgage insurance is one of those phrases first-time buyers hear and immediately wonder:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-default-insurance-explained-in-plain-language","title":"Mortgage Default Insurance Explained in Plain Language","summary":"Mortgage insurance is one of those phrases first-time buyers hear and immediately wonder:","date_modified":"2026-09-21T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-money-should-you-keep-aside-after-your-down-payment","html_content":"

When you are buying your first home, it can be tempting to put as much money as possible toward the down payment. A larger down payment may reduce how much you need to borrow, but that does not automatically mean every a...

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-money-should-you-keep-aside-after-your-down-payment","title":"How Much Money Should You Keep Aside After Your Down Payment?","summary":"When you are buying your first home, it can be tempting to put as much money as possible toward the down payment. A larger down payment may reduce how much you need to borrow, but that does not automatically mean every a...","date_modified":"2026-09-17T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/newfoundland-closing-costs-how-first-time-buyers-should-budget","html_content":"

Buying your first home is exciting, but one of the easiest mistakes to make is focusing only on the down payment. The down payment is important, but it is not the only money you may need when buying a home. There are oth...

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/newfoundland-closing-costs-how-first-time-buyers-should-budget","title":"Newfoundland Closing Costs : How First-Time Buyers Should Budget","summary":"Buying your first home is exciting, but one of the easiest mistakes to make is focusing only on the down payment. The down payment is important, but it is not the only money you may need when buying a home. There are oth...","date_modified":"2026-09-14T15:29:55Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/gifted-down-payments-what-first-time-buyers-should-know","html_content":"

Family support can make a big difference for a first-time buyer.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/gifted-down-payments-what-first-time-buyers-should-know","title":"Gifted Down Payments: What First-Time Buyers Should Know","summary":"Family support can make a big difference for a first-time buyer.","date_modified":"2026-09-10T12:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-down-payment-do-you-need-to-buy-a-home","html_content":"

When first-time buyers start preparing for a home, one question comes up very quickly:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-down-payment-do-you-need-to-buy-a-home","title":"How Much Down Payment Do You Need to Buy a Home?","summary":"When first-time buyers start preparing for a home, one question comes up very quickly:","date_modified":"2026-09-07T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/what-costs-should-first-time-buyers-prepare-for","html_content":"

Buying your first home involves more than saving a down payment. That is one of the first things I want new buyers to understand.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/what-costs-should-first-time-buyers-prepare-for","title":"What Costs Should First-Time Buyers Prepare For ?","summary":"Buying your first home involves more than saving a down payment. That is one of the first things I want new buyers to understand.","date_modified":"2026-09-03T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/first-time-home-buying-made-clear-where-do-you-start","html_content":"

By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/first-time-home-buying-made-clear-where-do-you-start","title":"First-Time Home Buying Made Clear: Where Do You Start?","summary":"By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers","date_modified":"2026-08-31T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/what-credit-habits-matter-before-buying-a-home","html_content":"

If buying a home is becoming a serious goal, there are a few financial habits worth paying attention to before you begin house hunting.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/what-credit-habits-matter-before-buying-a-home","title":"What Credit Habits Matter Before Buying a Home?","summary":"If buying a home is becoming a serious goal, there are a few financial habits worth paying attention to before you begin house hunting.","date_modified":"2026-08-27T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-pre-approval-your-credit-what-buyers-should-know","html_content":"

By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-pre-approval-your-credit-what-buyers-should-know","title":"Mortgage Pre-Approval & Your Credit: What Buyers Should Know","summary":"By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers","date_modified":"2026-08-24T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/what-if-your-mortgage-rate-hold-ends-before-you-find-a-home","html_content":"

You have been pre-approved.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/what-if-your-mortgage-rate-hold-ends-before-you-find-a-home","title":"What If Your Mortgage Rate Hold Ends Before You Find a Home?","summary":"You have been pre-approved.","date_modified":"2026-08-20T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/how-long-does-a-mortgage-pre-approval-last","html_content":"

By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/how-long-does-a-mortgage-pre-approval-last","title":"How Long Does a Mortgage Pre-Approval Last?","summary":"By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers","date_modified":"2026-08-17T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/what-can-change-after-a-mortgage-pre-approval","html_content":"

Getting pre-approved gives you an important starting point for your home search.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/what-can-change-after-a-mortgage-pre-approval","title":"What Can Change After a Mortgage Pre-Approval?","summary":"Getting pre-approved gives you an important starting point for your home search.","date_modified":"2026-08-13T12:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/you%E2%80%99re-pre-approved-for-a-mortgage-what-happens-next","html_content":"

By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/you%E2%80%99re-pre-approved-for-a-mortgage-what-happens-next","title":"You’re Pre-Approved for a Mortgage. What Happens Next?","summary":"By Leslie Penney, Owner/Mortgage Broker\nThe Leslie Penney Team | East Coast Mortgage Brokers","date_modified":"2026-08-10T13:48:13Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-home-can-you-comfortably-afford","html_content":"

By Leslie Penney, Owner and Mortgage Broker\nThe Leslie Penney Team at East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/how-much-home-can-you-comfortably-afford","title":"How Much Home Can You Comfortably Afford?","summary":"By Leslie Penney, Owner and Mortgage Broker\nThe Leslie Penney Team at East Coast Mortgage Brokers","date_modified":"2026-08-06T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/what-to-do-before-house-hunting-a-buyer%E2%80%99s-guide","html_content":"

By Leslie Penney, Owner and Mortgage Broker\nThe Leslie Penney Team at East Coast Mortgage Brokers

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/what-to-do-before-house-hunting-a-buyer%E2%80%99s-guide","title":"What to Do Before House Hunting: A Buyer’s Guide","summary":"By Leslie Penney, Owner and Mortgage Broker\nThe Leslie Penney Team at East Coast Mortgage Brokers","date_modified":"2026-08-03T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/real-conversations-why-the-lowest-rate-wasnt-the-best-choice","html_content":"

A couple contacted us because their bank had already offered them a mortgage renewal.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/real-conversations-why-the-lowest-rate-wasnt-the-best-choice","title":"Real Conversations: Why the Lowest Rate Wasn't the Best Choice","summary":"A couple contacted us because their bank had already offered them a mortgage renewal.","date_modified":"2026-07-30T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-myth-2-is-the-lowest-rate-always-the-best-mortgage","html_content":"

When you're shopping for a mortgage, one question almost always comes first:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/mortgage-myth-2-is-the-lowest-rate-always-the-best-mortgage","title":"Mortgage Myth #2: Is the Lowest Rate Always the Best Mortgage?","summary":"When you're shopping for a mortgage, one question almost always comes first:","date_modified":"2026-07-27T14:06:03Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/you-could-be-closer-to-buying-a-home-than-you-think","html_content":"

One of the most common conversations I have with prospective home buyers starts with the same sentence:

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/you-could-be-closer-to-buying-a-home-than-you-think","title":"You Could Be Closer to Buying a Home Than You Think","summary":"One of the most common conversations I have with prospective home buyers starts with the same sentence:","date_modified":"2026-07-23T14:11:25Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/7-common-mortgage-myths-every-homeowner-should-know","html_content":"

When it comes to mortgages, there's no shortage of advice.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/7-common-mortgage-myths-every-homeowner-should-know","title":"7 Common Mortgage Myths Every Homeowner Should Know","summary":"When it comes to mortgages, there's no shortage of advice.","date_modified":"2026-07-20T09:30:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/bank-of-canada-holds-rate-at-225%25-any-impact-on-nl-mortgages","html_content":"

The Bank of Canada announced on July 15, 2026, that it is holding rates steady, with Prime Rate staying at 4.45%. That means there is no immediate change to the Bank of Canada policy rate following this announcement.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/bank-of-canada-holds-rate-at-225%25-any-impact-on-nl-mortgages","title":"Bank of Canada Holds Rate at 2.25%. Any Impact on NL Mortgages?","summary":"The Bank of Canada announced on July 15, 2026, that it is holding rates steady, with Prime Rate staying at 4.45%. That means there is no immediate change to the Bank of Canada policy rate following this announcement.","date_modified":"2026-07-15T15:44:24Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/more-than-a-mortgage-why-working-with-someone-who-knows-your-sto","html_content":"

Buying a home is one of the biggest financial decisions most people will ever make. Yet many people still believe getting a mortgage is simply about finding the lowest interest rate.

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/more-than-a-mortgage-why-working-with-someone-who-knows-your-sto","title":"More Than a Mortgage: Working With Someone Who Knows Your Story","summary":"Buying a home is one of the biggest financial decisions most people will ever make. Yet many people still believe getting a mortgage is simply about finding the lowest interest rate.","date_modified":"2026-07-13T10:00:00Z"},{"id":"https://lesliepenney.ca/vacation-and-second-homes/f/renewing-your-mortgage-heres-what-every-homeowner-should-know","html_content":"

When your mortgage term is coming to an end, it's easy to assume you'll simply sign the renewal papers your lender sends and move on. Many homeowners do exactly that. The problem is that accepting the first renewal offer...

","url":"https://lesliepenney.ca/vacation-and-second-homes/f/renewing-your-mortgage-heres-what-every-homeowner-should-know","title":"Renewing Your Mortgage? Here's What Every Homeowner Should Know","summary":"When your mortgage term is coming to an end, it's easy to assume you'll simply sign the renewal papers your lender sends and move on. Many homeowners do exactly that. The problem is that accepting the first renewal offer...","date_modified":"2026-07-09T17:16:53Z"}]}