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Sharon
Google reviewGreat guy! Nick was the most helpful in my first home buying experience. Very reliable and personable. Highly recommend.
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Mortgage Services · Ottawa
Mortgage Services in Ottawa
From buying your first home to renewing, refinancing, or navigating a separation, I arrange the full range of mortgages Ottawa families need, with calm advice and fast replies.
The mortgage services in Ottawa I offer cover home purchases, first-time buyers, renewals, refinances, divorce and separation financing, condo mortgages, and rate and penalty reviews. As an Ottawa mortgage agent, a Mortgage Agent Level 1 with Referral Mortgages Inc., I compare dozens of lenders for your lowest total cost.
What I help with
Mortgage help for every stage
Reverse Mortgage
Turn home equity into tax-free cash at 55 plus, with no monthly payments, and stay in the home you love.
How reverse mortgages workHome Purchase
Steady guidance from offer to keys, whether it is your first home or your fifth. I get you broker complete early so the final weeks stay calm.
Ottawa purchase mortgagesFirst-Time Buyers
Down payment rules, pre-approval, and what you can actually afford, explained in plain words without the jargon.
First-time buyer help in OttawaMortgage Renewal
A renewal is a fresh decision, not a rubber stamp. The first mailed offer is rarely the best rate, so let me check it first.
Ottawa mortgage renewal strategyRefinance
A refinance can free up cash flow, consolidate higher-interest debt, or unlock home equity. I weigh any penalty against the savings first.
Ottawa refinance optionsDivorce and Separation
Calm, confidential help to keep the home or refinance into one name. I review your equity and income quietly and move at your pace.
Separation mortgage helpCondo Mortgages
Buying a condo means reading the condo fees, status certificate, and special-assessment history. I know what to look for.
Ottawa condo financingMortgage Rates
Current Ottawa rates, dated and explained. I shop credit unions, mortgage-only lenders, and banks so you compare on total cost.
Compare Ottawa mortgage ratesWhy Ottawa works with Nick
A real person, not a call centre
Every client should feel like my only client. You work directly with me from the first call to the day you close, and I am one WhatsApp message away the whole time.
Dozens of lenders compared
I shop credit unions, mortgage-only lenders, and banks for your lowest total cost, not one set of bank rates.
Broker complete three weeks early
I aim to have your mortgage broker complete about three weeks before closing, so your final weeks are about the house, not the financing.
Fast replies, about 30 minutes
No message sits longer than about 30 minutes during business hours, and you hear from me every day your file is active.
One person, your whole file
Only I touch your application, so when you message me I already know exactly where things stand.
How it works
Three simple steps
1
Talk it through
A relaxed call to understand your goals, your timeline, and what you are comfortable spending. Every call ends with a recap email.
2
Compare your options
I compare products from dozens of lenders, walk you through the numbers on a screen-share, and tell you plainly what I would do. You decide.
3
Get approved
You upload documents securely, I chase the lender twice a day, and aim to be broker complete about three weeks before closing.
Whatever stage you are at, the goal is the same. Get you there with the lowest total cost and no surprises.
Verified Google Reviews
Real stories from Ottawa clients
4.9 stars from 64 Google reviews left by clients I have worked with across Ottawa.
Get in touch
Get in touch with Nick
Getting a mortgage does not need to be stressful. Leave your details and I reply within about 30 minutes during business hours.
Common questions about Nick's mortgage services
What mortgage services does Nick offer in Ottawa?
I arrange home purchase mortgages, first-time buyer financing, renewals, refinances, divorce and separation mortgages, condo mortgages, and rate and penalty reviews across Ottawa. As a Mortgage Agent Level 1 with Referral Mortgages Inc., I compare dozens of lenders to find your lowest total cost.
Does it cost anything to use a mortgage agent in Ottawa?
No. For a standard residential mortgage there is no fee for my service. You get full service, lender comparison, and ongoing rate monitoring without a fee. A fee is rare. If one ever applies to your file, I tell you about it in writing before you commit.
Is a mortgage agent different from a mortgage broker?
In Ontario the licensing levels differ, but the day-to-day service is the same: someone who shops many lenders for you. I am a licensed Mortgage Agent working under Referral Mortgages Inc., FSRA brokerage licence #13316. Whether you search mortgage agent or mortgage broker in Ottawa, the job is finding you the right mortgage from dozens of lenders.
Which areas around Ottawa does Nick serve?
I work with clients right across Ottawa and the surrounding area, including Orléans, Kanata, Barrhaven, Nepean, Gloucester, and Stittsville. I am licensed in Ontario, so I cover Ottawa and area, not Quebec or Gatineau. Wherever you are in the city, you work directly with me.
Ready when you are
Honest advice and a simple process. Apply online or book a call with Nick.
4.9 stars across 64 Google reviews · Replies within about 30 minutes in business hours · Office on Carling Avenue, Ottawa.
Nick Bachusky · Mortgage Agent Level 1 · Referral Mortgages Inc. · FSRA brokerage licence #13316. Nick Bachusky is a licensed Mortgage Agent working under Referral Mortgages Inc.