Maximize the value of your home with…

Refinancing

If your mortgage no longer fits your life, it’s time to change it.

Refinancing lets you lower payments, access equity, or eliminate debt.

We have over 16 years of experience helping people get the most out of their existing mortgages. Refinancing is a financial opportunity many never take advantage of. 

You don’t have to wait until your mortgage term ends to restructure your loan. You can refinance to cover renovations on your home, to reduce payments, build wealth, or consolidate debt.

At Jennings & Associates, we get to know your unique financial situation, and help you develop a plan to meet your needs and save you money.

Canadian Mortgage Professionals - 2025 Top 75 Mortgage Brokers
Jennings & Associates BBB accredited business profile

BBB
RATING: A+

Best Mortgage brokers in St Johns

BBB
RATING: A+

Canadian Mortgage Professional - Top 75 Brokers 2024

Why do I need a mortgage broker?

Here are some of the benefits of working with Jennings & Associates on Refinancing

 

Lower Payments

Free Up Money

Many people don’t realize that they aren’t locked into the rates available when they first purchased their home. Could your loan be optimized with a refinance?

Build Wealth

Jennings & Associates East Coast Mortgage Brokers
Excellent
5.0
Based on 112 reviews
Jaykumar Patel
3 weeks ago
Best in the game! They are a valuable business partner, they provide best customer experience and quick turnarounds on applications! Highly recommended to anyone looking for a mortgage broker!
Jillian Furey
3 weeks ago
Recently had the pleasure of working with Andrew on the refinance of our home. His support determination and professionalism during the entire process was absolutely amazing. He was always available when a problem popped up and to lend his advice and lead you perfectly through an otherwise stressful process. Andrew is amazing to work with he will do everything he can to help you with whatever you need and make sure things get done efficiently and professionally!
Kelly Gosse
1 month ago
I dealt with Scott Hynes and this was my first time using a broker. I would highly recommend. Very informative, super responsive, patience ++ as I had a lot of questions, an overall great experience. I would definitely choose them again next time my mortgage needs renewal. 10+ rating for sure. Can’t thank Scott enough for all his help through this process. Fantastic service all around!
Corey Lynch
2 months ago
I was fortunate to work with East Coast on my initial mortgage and my recent renewal. Scott handled our renewal and listened closely to ensure he presented us with the best options. We felt supported and the tone and care made a potentially stressful experience as enjoyable as possible. If would recommend this brokerage in a heartbeat.
Keri-Anne
3 months ago
December 1st we moved into our forever home with HUGE thanks to Andrew Knee! He was able to do what we thought was impossible and got us into our dream home. Andrew is very informative and will keep you updated on how things are going every step of the way. We HIGHLY recommend Andrew and can't thank him enough. If you are thinking about buying a home, the first thing you should do is contact Andrew! P.S. He has the patience of a saint! Especially with my constant questions. If i could give him 10 stars I would!!!
Ryan Johnston
3 months ago
We have worked with ECMB and Rob Jennings for the past few mortages. We have had nothing but smooth and efficient process with no stress. Very responsive questions and guides you through the whole process.
Beth-Anne Perry
4 months ago
BEST MORTGAGE BROKER IN NEWFOUNDLAND!

…This was the search term I typed into ChatGPT when my mortgage was coming up for renewal: “FIND ME THE BEST MORTGAGE BROKER IN NEWFOUNDLAND!”

Immediately, Mortgage Broker- Rob Jennings- of EAST COAST MORTGAGE BROKERS came up as #1, Top-Rated, Most-Trusted with Exceptional Results and Service.

When I shared this with Rob on my first intake call, he chuckled and said “Well, I better not disappoint then!”…

From that day forward, Rob and his incredible team went above and beyond to make the process not only seamless but genuinely easy to understand and wonderfully stress-free.

Rob took the time to understand my short and long-goals and dreams, with my current home and vision for the future. He walked me through every detail with patience and clarity, and fought INCREDIBLY HARD to get me the very best mortgage scenarios and offers for me and my fiancé Ernest.

His communication was next-level — from ease of texting (my preferred for quick responses), to detailed calls with follow up emails with clear information and guidance, and constant reassurance every step of the way.

What really sets Rob apart is his amazing positive “can do” attitude, and he genuinely cares about his clients and will work hard for you.

His professionalism, honesty, and expertise made all the difference — I truly felt supported from start to finish by him and Tina March and his extended team at ECMB.

If you’re looking for someone who will treat you and your mortgage as if it’s thier own, Rob Jennings’s and his team at East Coast Mortgage Brokers are for you.

Thank you for making the entire process an exceptional experience…and for keeping that ChatGPT promise of being the “BEST MORTGAGE BROKER IN NEWFOUNDLAND!”

Sincerely,

— Beth-Anne Perry & Ernest Power
Humber Valley Resort, NL
Edna Roberts
6 months ago
I have had the pleasure to have Rob Jennings handle my first mortgage 12 years ago. I continue to count on and trust Rob’s expertise in finding me the best rates and recommendations going forward.
Amanda Shea
6 months ago
Matthew Bath
6 months ago
Exceeded our expectations and help as a mortgage broker. You made the process easy and were very supportive. Any questions we had over the years you were always there to help. Thanks! - Matt & April

Let’s Get Started

Your Mortgage is in Good Hands

  • Step #1 – Schedule an Appointment
  • Step #2 – Find the Right Loan
  • Step #3 – Get Approved

Leverage your mortgage to fit your needs

Are you locked into a high rate? Are you looking to free up more money?

Your mortgage is more than just a house payment. 

Our team helps you explore all your financing options when it comes to mortgage financing or re-financing.

Whether you need access to more money when things are tight, or you’re looking to purchase new investments, we make sure you know all your options.

Make sure your loan works for you

With the help of mortgage specialists, you can find the right loan for your unique situation.

First Time Home Buyers

Debt Consolidation

Refinancing

Mortgage Renewals

CONTACT:

709.300.4518

HOURS:

Monday – Friday

9am – 5pm

OFFICE:

141 Torbay Rd.

St. John’s, NL