Connor Geraghty Mortgages

Home
Canada
London, ON
Connor Geraghty Mortgages

Call Directions Website Contact the business

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 allows 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.

10/15/2026

New to Canada and dreaming of a place to call your own? You may not have to wait years to build a Canadian credit score first.

Many lenders offer New to Canada mortgage programs designed specifically for newcomers. Instead of relying only on Canadian credit, they may consider:

✅ Credit reports from your home country
✅ A history of on-time rent and utility payments
✅ Your employment in Canada and your work history before you arrived
✅ Your down payment and where it came from

Each program has its own requirements, including residency status and time in Canada, so the right lender makes all the difference. A licensed mortgage agent/broker knows which lenders offer newcomer programs and how to present your application with confidence.

📲 Know someone who's new to Canada? Share this with them. Their first Canadian home might be closer than they think.

10/13/2026

Selling your home before your mortgage term is up? You have two main paths, and choosing the right one could save you thousands.

🏡 Porting: You take your existing mortgage (rate, balance, and remaining term) with you to your new home. Need to borrow more? Many lenders will blend your current rate with today's rate on the additional amount.

🔓 Breaking: You pay out your mortgage early and start fresh with a new lender, product, or term. It opens up options, but it usually comes with a prepayment penalty.

Worth knowing:
✅ Not every mortgage is portable, so check your terms
✅ You'll still need to re-qualify for the new property
✅ Lenders set time limits between your sale and your purchase

Whether you're upsizing for a growing family, downsizing, or relocating for work, the right choice depends on your full picture, not just your rate.

📩 Thinking of moving? Let's compare both options before you list.

10/07/2026

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

10/06/2026

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?

LTV is the percentage of your mortgage amount compared to the appraised (or purchase) value of your property. Lenders use it to measure risk.

The higher your LTV, the less equity you have in the home. This can affect your eligibility, interest rate, and even the type of mortgage products available to you.

Here is why it matters:

✔️ Your LTV will determine if you need mortgage insurance and how much you qualify for.
✔️ Refinances: A lower LTV can unlock equity to consolidate debt, renovate, or invest in other goals.
✔️ Investment Properties: Stricter LTV requirements often apply, which can influence how much capital you need upfront.

Understanding your LTV is an important step in planning your financing strategy. A licensed mortgage agent/broker can help you calculate your ratio, explain how it impacts your options, and guide you toward solutions that fit your goals.

📲 Want to know your LTV and what it means for your mortgage? Reach out today.

10/03/2026

Wishing a joyful Simchat Torah.

As the Torah reading cycle comes to a close and begins again, may this time bring renewed energy, meaningful reflection, and celebration with loved ones.

From all of us at Indi Mortgage, Chag Sameach.

09/28/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

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

09/24/2026

Renewing Your Mortgage in 2026? Here’s What You Need to Know 🔑🏡

If your mortgage renewal is coming up this year, don’t just sign the first offer your lender sends you. With changing interest rates and evolving market conditions, this is your opportunity to reassess, strategize, and secure the best financing for your future.

Why It Pays to Review Your Options:

✅ Rates Change – The offer from your current lender may not be the most competitive one available
✅ Your Needs May Be Different – Life changes, and your mortgage should reflect your current financial goals
✅ More Lender Options – Working with a mortgage broker gives you access to 50+ lenders so you can compare and find the best fit

Should You Refinance Instead?
If you want to tap into home equity, consolidate debt, or adjust your term for better financial flexibility renewal time is the perfect moment to explore refinancing.

📩 Let’s talk before your renewal date arrives. A quick conversation could save you thousands!

09/23/2026

We're here for your commercial financing needs. Whether you're acquiring new property, refinancing existing assets, expanding your business, or exploring investment opportunities, our experienced team is ready to support you every step of the way. We understand that each scenario is unique, and we tailor our approach to meet your specific goals—making complex financing challenges manageable.

Ready to unlock your business’s potential? Let’s connect and turn your vision into reality.

09/22/2026

"Shouldn't I just go to my bank?"

Absolutely. In fact, you should check with every bank in the country. You should inquire at every bank available, all the bank subsidiaries, all the trust companies, the insurance companies, the financial corporations and all the private lenders around!

Or, you could just call us. That's actually the job.

We don't work for one lender, we work for you:

✅ Access – We compare rates and products across dozens of lenders, not just one counter.
✅ Advocacy – We're matching you to the mortgage that fits your situation, not selling you the one product on the shelf.
✅ Zero extra cost – In most cases, we're paid by the lender, not you, so shopping around costs you nothing.

Your bank can only offer what your bank sells. We can offer you everything else. One conversation instead of twenty phone calls.

Want the best rate available to you? Let's chat.

09/17/2026

Is a Reverse Mortgage Right for You? 🏡💰

A Reverse Mortgage allows Canadian homeowners to access their home equity without monthly payments, helping them stay in their home longer without financial stress.

Key Benefits:
✅ Stay in your home, stress-free
✅ No monthly mortgage payments = more cash flow
✅ Tax-free funds that won’t impact CPP (Canada Pension Plan) or OAS (Old Age Security)

It’s a long-term solution designed to provide financial freedom and stability in retirement.

Want to learn more? Let’s chat.

Address

London, ON

Telephone

+15199337141

Website

http://www.connorgeraghty.ca/

Alerts

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

Contact The Business

Send a message to Connor Geraghty Mortgages:

Want your business to be the top-listed finance company in London?