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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm Saturday 8am - 5pm Sunday 8am - 5pm

Mahoney Group - Pineapple - Shoreline Mortgages

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Canada
St. John's , NL
Mahoney Group - Pineapple - Shoreline Mortgages

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Shoreline Mortgages is based in St. John’s, Newfoundland, and is a partner of Pineapple Mortgage, Largely, we’re about options. Buying for the first time?

Our services cover a multitude of needs which can arise – from purchases for new homeowners, purchases with funds to renovate immediately, re-finances, equity takeouts, new construction, or whatever requirements you have. We’re flexible, creative, and attentive – and treat you as an individual, not as a file. We’re about taking your situation, and finding a way to improve your financial situation. We’re about finding the best deal out there for you, which meets the challenges you face. If you currently own a home, we would be glad to consult with you on the mortgage you currently hold, to see if we might be able to help you improve your financial situation. Our access to many lenders and the relationships we have built with them can help to serve you better: perhaps to lower your monthly payments, to reduce the length of time remaining on your mortgage, or to re-finance your home to help you consolidate debt, as well as start or complete renovations or upgrades. If you are looking to purchase a home, we can help you understand the process, and understand what your financial capabilities are. We can work with you to ascertain what price range you can afford, and how best to go about maximizing every dollar you spend. We’d be glad to work with you to help you fully understand the process, and help anticipate what’s to come.

11/02/2026

Moving from Renting to Buying!

10/31/2026

Wishing all our wonderful clients, friends, colleagues, and neighbours a fun, treat-filled, and safe Halloween!

Whether you’re out trick-or-treating with little ghouls and goblins or enjoying the evening in your own (hopefully not haunted) home sweet home, we hope your night is packed with sweet moments and zero scary surprises - we'll stick to keeping those out of your financing, too.

Have a spooktacular and safe night from the entire team at Shoreline Mortgages! 🎃👻🍬

10/30/2026

That's a killer dish right there!

10/29/2026

When you deal directly with a bank or lender, you only have one real option - their mortgage product on their terms. Working with a broker means options and solutions outside of the box that only an experienced mortgage broker can tailor to suit your situation. Being able to provide that solution for you, Karter, and at a rate that impresses you - well, that brings a big smile to our faces and lets us know we are doing our job right!

10/28/2026

The Bank of Canada announced an interest rate hike today, raising its policy rate. If you hold a mortgage in Canada, here is what this shift means for you:

✨Variable-Rate Mortgages: Because lenders’ prime rates move in tandem with the Bank of Canada, you will see an impact quickly. For adjustable payments, your monthly payment will increase. For fixed payments, more of your money will go toward interest rather than the principal balance.
✨Fixed-Rate Mortgages: If you are locked into an existing fixed term, your payments and rate remain unchanged until your term ends.
✨Upcoming Renewals & Pre-Approvals: If your renewal or home purchase is coming up within the next few months, lenders are adjusting their benchmarks. Locking in a rate hold as soon as possible can protect you against further upward pressure.

Whether you want to explore converting a variable mortgage to fixed, assess your renewal options, or run the numbers on your current payments, we are here to help. Have questions or concerns about your mortgage? Contact Shoreline Mortgages today to speak directly with an advisor and review your best options. Find us at www.shorelinemortgages.com

10/28/2026

Most people think they need to wait for their mortgage to mature before they can move it to a new lender. But, moving your mortgage when it's not renewal time could mean amazing savings. Yes, there will be a penalty to break the mortgage but if timed properly, the savings can well outweigh the cost, putting money back in your pocket!
To find out if the timing is right for you, reach out to us at www.shorelinemortgages.com

10/27/2026

Shoreline Mortgages is giving away 3 sets of 2 tickets to see the NL Regiment take on the Charlottetown Islanders THIS SATURDAY, October 31 at 3pm. All you have to do is:

👍 Like and SHARE this post!
🎃 Post your carved pumpkins in your stories and tag .mortgages !

We will share your carved creations and choose our 3 favourites to win 2 tickets each to the Halloween game! We will select and notify our winners at noon on Friday, October 30, so be sure to have your pictures posted and tagged by then!

10/27/2026

There has been plenty of talk in the media about interest rates on the rise but the leading economists are skeptical we will see a rate increase tomorrow, but more likely, early in 2027.
What is your prediction??

As always, the conversation of fixed vs variable/adjustable rates is on the table and a worthy one whether you are buying, renewing, or refinancing. It's important to make informed decisions so please feel free to reach out to us at www.shorelinemortgages.com

10/26/2026

The Best Advice for Choosing Between Fixed and Variable

10/24/2026

Buying your first home should feel exciting—not like deciphering a financial puzzle on your own.

Between down payment rules, stress-test calculations, closing costs, and endless lending jargon, it’s easy for first-time buyers to feel overwhelmed before they even tour a property.

Working with a Shoreline Mortgages expert turns that confusion into confidence:
✨A clear financial roadmap: We calculate your true purchasing power upfront so you can make offers with complete clarity on your monthly carrying costs.
✨Maximizing buyer programs: From leveraging First Home Savings Accounts (FHSAs) and the RRSP Home Buyers’ Plan to navigating land transfer tax rebates, we ensure you don’t leave money on the table.
✨Unbiased lender access: Rather than trying to fit into one bank's narrow criteria, we shop dozens of lenders to find the right rate, flexibility, and terms for your specific financial profile.
✨Guidance at every milestone: We manage the paperwork, coordinate with your realtor and lawyer, and keep you informed from initial pre-approval straight through to closing day.

You don’t have to navigate the market alone. Step into homeownership with an expert advocate in your corner. Ready to take your first step? Connect with the team at www.ShorelineMortgages.com today to get pre-approved.

Address

95 Bonaventure Avenue, Suite 100
St. John's, NL
A1B2X5

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	8am - 5pm
Sunday	8am - 5pm

Website

http://www.shorelinemortgages.com/

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