Mortgage Services · 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
Turn home equity into tax-free cash at 55 plus, with no monthly payments, and stay in the home you love.
How reverse mortgages workSteady 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 mortgagesDown payment rules, pre-approval, and what you can actually afford, explained in plain words without the jargon.
First-time buyer help in OttawaA 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 strategyA refinance can free up cash flow, consolidate higher-interest debt, or unlock home equity. I weigh any penalty against the savings first.
Ottawa refinance optionsCalm, 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 helpBuying a condo means reading the condo fees, status certificate, and special-assessment history. I know what to look for.
Ottawa condo financingCurrent 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
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.
I shop credit unions, mortgage-only lenders, and banks for your lowest total cost, not one set of bank rates.
I aim to have your mortgage broker complete about three weeks before closing, so your final weeks are about the house, not the financing.
No message sits longer than about 30 minutes during business hours, and you hear from me every day your file is active.
Only I touch your application, so when you message me I already know exactly where things stand.
How it works
A relaxed call to understand your goals, your timeline, and what you are comfortable spending. Every call ends with a recap email.
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.
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.
4.9 stars from 61 Google reviews left by clients I have worked with across Ottawa.
Get in touch
Getting a mortgage does not need to be stressful. Leave your details and I reply within about 30 minutes during business hours.
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.
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. The rare exception is a specialised or private deal where a lender fee can apply, and I tell you about any such cost in writing before you commit.
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 #13316). Whether you search mortgage agent or mortgage broker in Ottawa, the job is finding you the right mortgage from dozens of lenders.
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.
Honest advice and a simple process. Apply online or book a call with Nick.
4.9 stars across 60 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 #13316. Nick Bachusky is a licensed Mortgage Agent working under Referral Mortgages Inc.