Connor Geraghty Mortgages

Connor Geraghty Mortgages The right mortgage can be a powerful financial tool to achieve your life goals. Helping people save money has always been a passion of mine.

Working with friends and family to improve their financial stability and peace of mind, gives me a sense of accomplishment that I find tremendously rewarding. This is why after 20 successful years of working in purchasing, estimating, cost/profit analysis, operations and sales, I choose to support my family by building a career centered on helping you and your family. Being your mortgage agent all

ows me to hunt down your best rate and help you navigate the finer details of your mortgage; empowering you, so you can make well informed decisions to suit your needs. With a genuine care for your best interests that are unique to your personal life, I will find your best rate and tailored mortgage solution. Let me help you find what you are looking for.

Is Alternative or Private Lending Right for You? Not everyone fits into the traditional lending box, and that’s where al...
05/30/2026

Is Alternative or Private Lending Right for You?

Not everyone fits into the traditional lending box, and that’s where alternative and private lending can be a game-changer. If you're self-employed, earning commission-based income, New to Canada, or have unique financial circumstances, these lending options offer more flexibility than conventional banks. We can help!

✅ Self-Employed? Alternative lenders consider your full financial picture, not just tax returns.
✅ Unconventional Income? Private lenders look at your earning potential, not just pay stubs.
✅ Credit Challenges? If past financial hiccups have impacted your credit, private financing may still be an option.

Looking for mortgage solutions tailored to you? Follow along for more insights and expert advice, or reach out today to explore your options!

What’s the difference?Monoline lenders are financial institutions that offer mortgage products exclusively through mortg...
05/27/2026

What’s the difference?

Monoline lenders are financial institutions that offer mortgage products exclusively through mortgage agents (brokers). Unlike banks, they don’t offer chequing accounts or credit cards. That means no retail branches, lower overhead, and often more competitive mortgage rates and flexible terms.

Working with a licensed mortgage agent (broker) means you have access to both monoline lenders and traditional banks. Whether you're a first-time buyer, self-employed, new to Canada, or looking to renew, refinance, or invest, a licensed agent (broker) can help you compare all your options and find the right fit.

📲 Want to understand which lending option is right for you? Let’s connect.

05/26/2026

Treat every renewal like your first mortgage.

Too many homeowners simply sign back the offer their lender sends without exploring what else is available. Every renewal is an opportunity to reassess your goals, explore your options, and make sure your mortgage still fits your life — so don't let it be a rubber stamp moment.

Starting your review 3 to 6 months early gives you the time and flexibility to compare lenders, revisit your goals, and make the right decision without the pressure.

📅 Don't just sign back the first offer you receive — connect with a licensed mortgage agent who works for you and make your next term your best one yet.

Your home is worth protecting — but so is everything inside it. 🏡Mortgage payment protection is designed to keep your pa...
05/21/2026

Your home is worth protecting — but so is everything inside it. 🏡

Mortgage payment protection is designed to keep your payments covered if life takes an unexpected turn — whether that's job loss, illness, injury, or the unthinkable. In today's economic climate, that peace of mind matters more than ever.

Whether you're buying your first home, refinancing, renewing, investing, or building a new life in Canada, the right protection plan ensures your financial goals stay on track no matter what comes your way.

A Mortgage Protection Plan is more than a life insurance policy — it's a safety net for the people and the future you're building.

➡️ Let's talk about the right layer of protection for you and those you love.

Your income tells a story — and it may be more mortgage-worthy than you think.Many applicants are surprised to learn tha...
05/18/2026

Your income tells a story — and it may be more mortgage-worthy than you think.

Many applicants are surprised to learn that non-traditional income sources like the Canada Child Benefit, spousal or child support, maternity or parental leave, and even foster care income may count toward your mortgage eligibility depending on the lender.
Every situation is different, and not all lenders assess income the same way. That's where we come in. As licensed mortgage agents, we take the time to understand your full financial picture and match you with the lender that works best for you.

Let's review your income sources together and find the right fit!

🏠 Rental Income and Using It Help You Qualify for a Mortgage.If you earn rental income from a secondary suite, investmen...
05/14/2026

🏠 Rental Income and Using It Help You Qualify for a Mortgage.

If you earn rental income from a secondary suite, investment and/or multi-unit property; lenders may consider a percentage of this income toward mortgage qualification.

Depending on the lender, 50% to 100% of verified rental income could be added to your total income to help improve affordability, boost your approval odds, or increase your purchasing power.

Connect with us today to discover how your rental/investment income can improve your mortgage options.

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year ter...
05/12/2026

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year term, shorter and longer options exist depending on your goals and market conditions.

Your Amortization is the total time to pay off your mortgage (with regular payments). Most are set at 25 years, though some buyers, including first-time buyers, and those purchasing new builds, may have access to 30-year amortizations (longer amortizations can lower monthly payments but increase total interest over time).

Choosing the right amortization can impact both affordability today and cost over the life of your mortgage. Pairing that with the right term helps ensure your mortgage stays aligned with your plans as things change.

📞Before you lock in a rate or commit to a lender, talk to a licensed mortgage agent first. Unlike a bank, a mortgage agent works for you — not the lender — ensuring your mortgage is structured around your goals from day one.

📲 Like, follow, or share to stay informed and empowered.

Many mortgage holders assume they need to wait until their mortgage is up for renewal to make changes. In reality, your ...
05/07/2026

Many mortgage holders assume they need to wait until their mortgage is up for renewal to make changes. In reality, your mortgage can be reviewed and adjusted during your term, (penalties may apply) depending on your goals and current situation. As rates shift and your balance changes, there may be opportunities to improve cash flow, access equity, or restructure your mortgage to better fit your present needs, not just when your renewal date arrives.

📞 If it has been a while since your last mortgage review, connect with us today to see what options may be available to you now.

Homeownership in Canada looks different than it did a few years ago - and buyers are adapting! Creative strategies are h...
04/30/2026

Homeownership in Canada looks different than it did a few years ago - and buyers are adapting!

Creative strategies are helping more Canadians get into the market: co-purchasing with family, friends, or partners as well as mult-generational living is on the rise.

Buying with others comes with important considerations - ownership structure, shared mortgage responsiblity, credit impact, and an exit strategy for all parties need to be part of the conversation before you sign your mortgage.

The right structure makes all the difference. A licensed mortgage professional such as a mortgage agent/broker can help structure your mortgage so homeownership works for everyone involved, today and in the future!

📞Drop us a message to get started!

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situat...
04/28/2026

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situation.

A refinance can be a great option if you're looking to consolidate higher-interest debt, fund renovations, access equity for investments, or to adjust monthly payments. It can also be a useful strategy if your mortgage is coming up for renewal and you want to access available equity without the threat of payout penalties.

Like any mortgage decision, the right approach depends on your full financial picture, including your home’s value, current mortgage terms, and long-term plans. Working with a licensed mortgage agent (broker) helps ensure you understand the full range of options available before making a decision.

💡 Connect with us today to explore whether a refinance could support you in your financial goals.

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London, ON

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