Cody Lush - Pineapple Shoreline Mortgages

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Cody Lush - Pineapple Shoreline Mortgages

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Hello, my name is Cody Lush and I am a Mortgage Agent with Pineapple Shoreline Mortgages based in Gander, NL.

Allow me to help you navigate the sometimes overwhelming process with tailored solutions that meet your specific goals and needs.

10/28/2026

BREAKING NEWS ...

The Bank of Canada has released its 7th decision of 2026, INCREASING the key interest rate by 25 basis points up to 2.50%. The BoC will release the final interest rate announcement of 2026 on December 09th.

The recent decision to increase the key interest rate means the prime lending rate will also increase by 0.25%. Consequently, here’s how borrowers are affected:
- Fixed-Rate Mortgages: will see no change to their payments or interest costs until renewal.
- Adjustable-Rate Mortgages (ARMs) & Lines of Credit / HELOCs: Payments will adjust immediately by 0.25% as the prime lending rate adjusts in tandem with the BoC key interest rate.
- Fixed-payment Variable Mortgages: The monthly payment remains unchanged for now, but you will notice a decrease in the amount towards your principal and an increase in the amount towards your interest, over time stretching out the amortization schedule.

We understand that navigating current economic conditions can feel uncertain, and we're always here to support you. If you have any questions about interest rates or want to review your mortgage options, please feel free to reach out anytime—we’re happy to help you plan your best path forward.
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To read further regarding today's announcement click the following link:
https://www.bankofcanada.ca/2026/10/fad-press-release-2026-10-28/

10/27/2026

STAY TUNED ...

The Bank of Canada will release its 7th rate decision of the year tomorrow morning, October 28th.

Will the BoC hold steady at 2.25%, or are we about to see the first rate hike of 2026?
Forecasters are genuinely divided between another cautious pause and a 25-basis-point hike—and as always, the BoC could surprise us.

If a hike materializes, here’s how borrowers are affected:
- Fixed-Rate Mortgages: will see no change to their payments or interest costs until renewal.
- Adjustable-Rate Mortgages (ARMs) & Lines of Credit / HELOCs: Payments will adjust higher immediately as prime rates move in lockstep.
- Fixed-payment Variable Mortgages: The monthly payment stays identical for now, but less goes toward paying down the principal, stretching out the amortization schedule.

Whether you’re looking to renew or refinance an existing mortgage, purchase a new home or just keeping an eye on market trends and projections, we are here to help you navigate it! If you would like to discuss how these updates may impact your mortgage options, reach out to us for more details at [email protected]
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Check back here tomorrow for the highlights of the BoC's 7th rate update of 2026

09/02/2026

BREAKING NEWS ...
The Bank of Canada has released its 6th decision of 2026, electing to HOLD the key interest rate at 2.25%. The next BoC interest rate announcement will take place on October 28th 2026.

The recent decision to keep the key interest rate on hold means the prime rate will stay where it is. Consequently, payments for homeowners with variable-rate mortgages will remain unchanged.

We understand that navigating current economic conditions can feel uncertain, and we're always here to support you. If you have any questions about interest rates or want to review your mortgage options, please feel free to reach out anytime—we’re happy to help you plan your best path forward.
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To read further regarding today's announcement click the following link:
https://www.bankofcanada.ca/2026/09/fad-press-release-2026-09-02/

09/01/2026

TESTIMONIAL TUESDAY

Congratulations to the Kindens on purchasing their first home!

Thank you for choosing me to guide you through your first mortgage experience and for sharing such a gracious review. It was a true pleasure working together to make your homeownership goals a reality. Wishing you all the best as you settle into your new place!
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Whether you are looking to purchase a new home, renew your current mortgage, or refinance and access the equity you've built over time, I'd be more than happy to guide you along the journey to finding the best options available to you. Together, let's make your next mortgage experience a positive one.

https://shorelinemortgages.com/codylush/mortgage-application
📧 [email protected]

08/11/2026

What’s better than a Bakeapple Sundae?!? 🍨

In my opinion, very little... but refinancing your mortgage might be a close second!

Here is why reviewing your refinancing options could be a game-changer:
✨ Lower Interest Rates: Lock in a better rate and save over time.
✨ Lower Monthly Payments: Reduce your payments to free up cash flow.
✨ Access Home Equity: Fund major renovations, investments, or big life goals.
✨ Consolidate Debt: Roll high-interest debts into one simple, lower-rate monthly payment.

Refinancing can open up serious financial flexibility, but timing is everything. Want to see if the numbers make sense for you? If you would like to see how refinancing your current mortgage could benefit you, reach out today and together we can explore your best options. Let's chat!

📧 [email protected]
https://shorelinemortgages.com/codylush/mortgage-refinancing

07/25/2026

Why Choose A Broker?

Did you know that using a broker is entirely FREE for you? Yup, you heard right, our services are FREE! As FREE as this breathtaking view! How is that possible?

Lenders pay brokers! When a broker works with you, they get paid for the business they bring to the lender. The good news is that the compensation received is consistent throughout the mortgage industry. This means that using a broker will come at no extra cost to you, and you can trust that our priority is to secure the best products and lenders for your unique requirements.

Whether your mortgage is up for renewal, you're purchasing a new home, or you're looking to access your home’s equity through refinancing, reach out today to get the process started. Together, we’ll explore the best options to suit your mortgage needs!

📧 [email protected]

https://shorelinemortgages.com/codylush/preapproval

📷: Picture taken during a recent trip to beautiful Jim's Cove of Triton NL

07/11/2026

📢 COMMUNITY ALERT! Join the "Take the Wheel. Give Back." event with Kelly Ford and Scouts Canada!

Looking for a fun and easy way to support 1st United Gander Scouting? Head down to Kelly Ford on Graham Street today until 3PM! With every eligible test drive, Ford will donate $30 to help build confidence and a stronger community for our youth. 💪

It's as easy as STOP IN, REGISTER, and TEST DRIVE!

📅 Saturday, July 11
⏰ 10:00 AM - 3:00 PM
📍 1 Graham Street, Gander

We're passionate about supporting our community ... Join us in supporting this great cause by test driving a beautiful Ford vehicle and don't forget to grab some BBQ while you're there!

07/09/2026

Who Qualifies As A First-Time Home Buyer?

To be considered a first-time home buyer, at least one borrower on the application must meet one of the following criteria, as required by lenders and insurers:

1]. NEVER OWNED A HOME: The borrower has never previously owned a home.

2]. NO HOME OWNERSHIP IN THE PAST 4 YEARS: The borrower has not lived in a home they owned (or one owned by their spouse or common-law partner) as their principal residence during the last four years. The four-year period begins on January 1st of the year prior to the property's closing date.

3]. BREAKDOWN OF A MARRIAGE OR COMMON-LAW PARTNERSHIP: The borrower has experienced a separation or divorce and has lived apart from their spouse or partner for at least 90 days before the closing date. If the borrower now has a new partner who owns a home, the borrower must not have lived in that home as their principal residence.

If you meet any one of these conditions, you are considered a first-time home buyer and may be eligible for related benefits and programs.
Have further questions about if you meet the qualifications as a First Time Buyer? Reach out and together we can unpack your scenario to discover the options available to get you into your first home!

📧 [email protected]

https://shorelinemortgages.com/codylush/mortgages-for-first-time-home-buyers

📷: Recent photo enjoying Summer Nights on our New Deck

07/01/2026

Happy Canada Day! 🇨🇦🍁

From coast to coast, we are so incredibly lucky to call this beautiful country home. Today, I’m taking a pause from the housing market to celebrate the amazing communities, landscapes, and people that make Canada so special.

Whether you’re hosting a backyard BBQ, watching fireworks, or just relaxing by the water, I hope you have a fantastic day celebrating with family and friends!

https://shorelinemortgages.com/codylush

What are your Canada Day plans? 👇

06/30/2026

WHY CHOOSE A BROKER?

Mortgage brokers can tap into a broad network of lenders, banks, and financial institutions. This vast network enables them to explore numerous options and find the best products with the most favourable rates and terms tailored to your specific needs. By handling the research and legwork for you, mortgage brokers help you save both time and money.
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Whether you are about to purchase a new home, or looking to renew or refinance an existing mortgage - feel free to reach out, and together we can explore the wide range of lending opportunities available to you through our brokerage.

📧 [email protected]

https://shorelinemortgages.com/codylush

📷: Photo from a visit to a place in Triton NL locally known as "The Back Cove"

Address

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

Telephone

+17097430076

Website

https://shorelinemortgages.com/codylush

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