What are the opening hours?

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

Shoreline Mortgages - Andrew Leonard

Home
Canada
St. John's , NL
Shoreline Mortgages - Andrew Leonard

Mortgage Agent with Shoreline Mortgages

01/24/2026

I couldn't have done it without your support. 🙏🏻

I am honoured to be named a #5 Mortgage Broker across Canada 🇨🇦 for Pineapple - Shoreline Mortgages.

A huge thank you to everyone who helped make this possible, especially my wife, who has supported me through countless long and relentless work hours. I'm also incredibly grateful to my clients, not only for their trust, but for the referrals they continue to send my way. This is the greatest honour I can receive.

Thank you as well to Marc Mahomey, Nicole George, Tony Brown and the entire Shoreline Crew. I truly couldn't have accomplished this without your help and support.

Next stop in March: A trip down south 🏝️ with the Winners and Top Agents from across the country to celebrate drive, determination and excellence in all we do. 🚀

05/16/2025

Are you thinking of selling your single-family or two-apartment home in St. John's or Avalon area? I have fully qualified Mortgage Clients Ready to Purchase today! They are Mortgage Pre-approved and ready to buy.

My clients are looking for single-family and multi-family homes.

Feel free to reach out to me.

03/27/2025

I would like to say a great big thank you to Yuliia Kryshtal and her husband Dmytro. The day before their mortgage was set to close they brought me these absolutely delicious treats from NewCakeLand.UA that Yuliia made.

Yuliia, your baking skills are out of this world! These treats were a total delight and so fresh. Thank you both so much!

01/01/2025

Current Mortgage Rates in Canada: Key Updates You Need to Know!
For more details contact Andrew Leonard: (709) 770-3724

12/27/2024

Imagine this-

You’ve been approved for a mortgage

And just when you think it’s smooth sailing,

The lender asks for a random stack of documents.

Things like ‘proof of funds from a distant relative’ or ‘details of your grandfather’s vintage car collection’

Wait, what?

It might sound like a joke, but when weird requests start piling up,

It’s time to pause and question what's really going on.

That’s where your expert mortgage broker steps in.

For more details contact Andrew Leonard: (709) 770-3724

12/24/2024

Total Debt Service (TDS) is the percentage of your monthly income that goes toward paying debts.

The Total Debt Service (TDS) ratio is the percentage of your gross (pre-tax) monthly income that goes toward all your monthly debt payments. This includes your mortgage payment PLUS other debts like credit card payments, car loans, student loans, and personal loans. Lenders use the TDS ratio to see if you can afford the home and manage your other debts without becoming financially stretched. The ideal TDS ratio is under 44% for those with a credit score of 680 and above.

How is it calculated? The formula is simple: TDS = (Total debt payments ÷ Gross monthly income) × 100. Example: Let’s say your gross monthly income is $6,000. Your total monthly debt payments (mortgage, car loan, credit cards, etc.) add up to $2,640. Your TDS ratio would be: $2,640 ÷ $6,000 = 0.44 or 44%

If your TDS is higher, it means you have more debt obligations, which may make it harder to get approved for a mortgage or might limit the amount you can borrow. A lower TDS gives you more room to take on a mortgage and manage any unexpected expenses.

For more details contact Andrew Leonard: (709) 770-3724

12/20/2024

The keys were in her hand… almost.

She was one signature away

From her dream home when it struck

The lawyer slid her a bill for $6,500

‘What is this?!’ she stammered, her stomach sinking

It wasn’t a mistake, it was the dreaded closing costs

Appraisal fees, title insurance, and taxes were waiting in the shadows

Ready to sn**ch her savings.

But this isn’t how her story ends.

Months earlier, her mortgage broker had warned her about this exact moment.

Thanks to his advice, she had a backup plan, and the day was saved.

Keys in hand, stress-free, home secured.

For more details contact Andrew Leonard: (709) 770-3724

12/05/2024

Current Mortgage Rates in Canada: Key Updates you need to know!
For more details contact Andrew Leonard: (709) 770-3724

11/26/2024

Here’s the deal: if you’re a first-time homebuyer (and I specialize in helping people just like you), you can buy your first home with just 5% down.

Don't have your down payment saved? Newfoundland has a First Time Home Buyers program that can help with the 5% down payment. Ask me how!

But—and this is important—it has to be your primary residence. No investment properties here!

Now, if you’re not a first-time buyer, or you’re looking for a rental property, you’ll probably need 20% or more down.

It’s just how it works. But don’t worry—we’ll guide you through it all and make sure you’re getting the best deal possible.

For more details contact Andrew Leonard: (709) 770-3724

Address

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

Opening Hours

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

Telephone

+17097703724

Website

http://shorelinemortgages.com/andrewleonard

Alerts

Be the first to know and let us send you an email when Shoreline Mortgages - Andrew Leonard posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in St. John's ?