Client reviews · Ottawa
I have been arranging mortgages for Ottawa families since 2012, and this page is the result. Real clients, real files, in their own words. Read what it is actually like to work with me, then let us talk about yours.
The short answer
I am Nick Bachusky, a licensed Ottawa mortgage agent, and these are the reviews my clients have left me: a 4.9 star rating across 61 reviews on Google since 2013. What they mention most is fast replies at any hour, patience with first-time buyers, clear explanations of the paperwork, and often a lower rate than their own bank first offered. Every review on this page is a verbatim quote you can check on Google yourself.
Want the numbers behind the praise? I break down where Ottawa rates sit today and how a mortgage penalty really works, because a rate is not just a rate, the penalty matters too.
4.9
average Google rating
61
verified reviews
2012
helping Ottawa since
~30 min
typical reply time
First-time buyers
Most of the people I help are buying their first home. Read enough of these reviews and the same three words come up again and again: patient, quick to reply, and clear. First-time buyers tell me they came in nervous and left understanding exactly what they signed.
See how I help first-time home buyers in OttawaCaroline Lacroix
Google reviewAs first-time homebuyers, we were a bit intimidated by the whole process but Nick made everything feel manageable. He is always quick to respond to emails and takes the time to explain things clearly and patiently. His attention to detail and professionalism gave us a lot of confidence every step of the way.
August 2025
Matt Friesen
Google reviewNick was my advisor for my first home purchase. He walked me through the entire process and was available 24/7. Buying a home is a stressful endeavour but Nick was able to answer every question I threw at him and in an extremely timely manner. Nick also went out of his way every few days to update me on changing mortgage rates and ensured I got the lowest rate available at the time of purchase.
June 2019
Hannah Kashyap
Google reviewNick found me a fantastic rate and I really felt he had my best interest at heart during the entire process. He went over and above my expectations, was extremely fast at replying to my messages and answered all of my many, many questions as a first time home-buyer in Canada. Nick replied almost instantaneously whether it was late at night or on the weekend.
August 2016
Suzanne Hebert
Google reviewAs a first time home buyer, I was very nervous as to what to expect and what I would get for my first mortgage. Nick addressed all my concerns and always went above and beyond to be there for me. He got me the best rate possible before the prices went up. I couldn't have asked for a greater first time mortgage experience.
October 2017
Evan Berry
Google reviewThanks to Nick for making our dream a reality. He provided these first time home buyers with all the patience and understanding required to ensure our mortgage both met our needs and our desires. Nick educated us on the ins and outs, the do's and don'ts of mortgages and then presented us with a variety of options. Armed with the information to make the best choice for our situation, we acquired a great mortgage at a great rate.
May 2017
Tamir Virani
Google reviewNick was an incredible mortgage broker throughout the entire process of my first home purchase, checking in at every step of the way, providing excellent support and help and even going above and beyond to secure an amazing rate while he was on holiday. I would absolutely recommend Nick to anyone who is looking to work with someone who has your best interests at heart.
June 2022
Real Ottawa clients. Real keys in hand.
A better rate than the bank
Many clients arrive with a rate their own bank has already quoted them. What they write about afterward is the same story: I kept working the file, watched the market, and often came back with a lower rate than they started with. A rate is not just a rate, the penalty behind it matters too.
See current Ottawa mortgage rates and how I compare themJesse Johal
Google reviewWorking with Nick to get our mortgage was a fantastic experience from start to finish. He walked us carefully through each step to make sure we fully understood our contract, gave us plenty of time to review all of our documents, and never tried to upsell or rush us. He got us a great rate that we were really happy with, but then he went out and pushed the bank to give us an even better rate when he saw rates were changing in the market.
August 2019
Jacek Rothbard
Google reviewNick came highly recommended from close friends, managed to somehow explain mortgages to a dummy like me, and got us a rate to which the banks couldn't even come close! Oh, then ten days later we get a call from Nick telling us to forget about that last mortgage because he just got us an even lower rate!
December 2016
Eric Leece
Google reviewNick was amazing to deal with. He had the professional yet casual approach to business which was very refreshing. I felt comfortable asking any dumb question I had knowing that he would get back to me right away with an answer. Not only was he a pleasure to work with, he secured us the best rate I've ever seen! I almost wish I didn't have to wait 5 years to work with him again.
November 2015
Jakob Einarson
Google reviewNick was up front with the rates that he could provide unlike the games that were played by other Brokers I contacted. I looked around quite a bit and the rate that Nick provided was the best that I found. No matter when I contacted Nick, he got back to me extremely fast. This includes replying to e-mails late on a Saturday night in the middle of the NHL playoffs! None of the big banks I contacted would match the rate I got through Nick.
May 2015
Sarah Sullivan
Google reviewNick was great to deal with. We took a VERY long time to find the house we wanted, and when we finally found the one, I openly told him I'm shopping around to make sure we're getting the best rate. He assured me we were. Being the skeptic that I am, I wasn't convinced until I found that no other broker or bank I spoke to was able to even match his rate! I must have called him twenty times in a week. He answered the phone any time of the day.
December 2017
Yan Ma
Google reviewI was a first time home buyer, and I was so grateful for Nick to get me approved since I work on commission. He has good relationships with every bank so he was able to get me approved without any hesitation or special requirements, my own bank couldn't even do that! He was also able to get me a very low interest rate! Not only was Nick patient throughout the process, he followed up with me on a weekly basis.
March 2015
Renewals and repeat clients
Some of my favourite reviews are from people on their second or third mortgage with me. Renewal clients write that I did not just send a letter to sign. I explained their options and handed them the tools to negotiate, even the time I was only giving a second opinion and not representing them at all.
See how I approach an Ottawa mortgage renewalMike Carl
Google reviewKnowledgeable, personable and genuinely interested in getting you the best deal. That is how I would describe Nick. When we were negotiating our mortgage renewal with one of the big banks we went to Nick for a second opinion. Nick explained exactly what type of mortgage we had and that it would be difficult to move it from the bank. But Nick also provided us with the tools we needed to negotiate the best rate with the bank. He did this even though he wasn't actually representing us.
March 2016
Jay Gagnon
Google reviewNick is absolutely fantastic! He has now helped us with 3 mortgages, working hard to get us great rates each time. All have been seem-less, on point, informative and done with no pressure. He provided options, answered every question quickly and guided us through the whole process with a smile. I am in construction and reputation is everything. I confidently recommend Nick to everyone!
May 2023
Nicolas Fortier
Google reviewI have no hesitation in recommending Nick to friends and family and, in fact, I have! It goes without saying that Nick is professional, informative, and easy to work with. I've now employed Nick's services twice and should I need them again, I know who to count on.
September 2016
Andrew Sampson
Google reviewThis was our second time working with Nick and the experience was top notch. He is a fantastic communicator, and responds to questions at all hours. Even our realtor commented on how she has never seen a broker so involved in the process with their clients. Thanks for everything Nick!
May 2022
Every client should feel like my only client.
Complex and tricky files
Not every file is simple. These reviews are from clients with commission income, a purchase from abroad, two properties at once, or a deal another broker had already turned down. The common thread is the same: I found a way, and I kept them updated the whole time.
See how I finance an Ottawa home purchaseRick Pringle
Google reviewNick stepped up when another broker told us he couldn't get an insurer for a high ratio mortgage. Nick took over in record time, reached out to lenders and insurers and got us a better rate (with insurance) than what had been on the table from the other broker. In doing so, he was extremely helpful, professional and knowledgeable. My wife and I strongly recommend Nick.
April 2016
Stephan Gauthier
Google reviewWhen we found our new future home, we were recommended to a broker that ended up being an absolute horrible experience. After weeks of stress, we searched and called around and finally landed with Nick. Right from the start, the service was top notch. He didn't waste our time with lenders that did not fit our requirements. He also didn't ask us to sign an exclusivity agreement which just speaks to his service confidence. He was available anytime to answer questions and set our minds at ease.
February 2016
Cindy Mc
Google reviewNick went above and beyond to help me out with a complicated purchase from abroad. He was always very responsive to emails and questions, and I really appreciated all his extra effort. I would recommend him highly to anyone looking for a mortgage.
December 2017
Peter Murton
Google reviewMy complicated dual-property setup was navigated expertly by Nick. I appreciated his help greatly, as I would never have been able to wrangle the low rate he was able to obtain from two different lenders, one for each mortgage. For my first time through the process, it went very smoothly thanks to Nick guiding me through what was needed and when. Highly recommended!
July 2015
Helen Su
Google reviewWe are happy with Nick's service, he gave us the best rate we could find at the moment, answered all our questions, and he's very quick in returning our phone calls and email inquiries. We purchased our condo with a very tight closing date, without Nick's quick service we would not have got everything done on time, and Nick came to see us on our convenient time and place, although he had to drive from downtown to Kanata.
February 2014
The pattern in the reviews
Read enough of these and it jumps straight out. People do not just say I was good. They say I replied within minutes, late at night, on a weekend, in the middle of the playoffs. That is what I mean by AI without AI: a real person who answers fast. I am one WhatsApp message away.
He was always replying to our emails or texts within minutes, late at night or early in the morning.
His response time to queries is absolutely legendary.
Replying to e-mails late on a Saturday night in the middle of the NHL playoffs!
More from Ottawa clients
Every quote here is verbatim from Google. These are just some of the 61 reviews clients have left me since 2013, across first homes, renewals, refinances and files other people called too hard.
The SoloReas
Google reviewHe provided us with all the information and support we needed, plus a wonderful last minute surprise rate drop as the cherry on top.
March 2026
Jonathan
Google reviewNot only did he secure me a great interest rate which was lower than any advertised rate I could find, but he was always friendly, polite, and understanding. For my next mortgage, Nick is the only person I will ask to handle it.
May 2018
Josh Mahonin
Google reviewNick is a class act, all the way. He was super helpful and available throughout the process and got us a fantastic rate. I 100% recommend him to anyone looking for a mortgage.
December 2017
Colin McLeod
Google reviewNick was exceptional to work with, always looking out for the best deal for us and providing top-level client service. He went out of his way to ensure we had the best mortgage rate possible and ensured the whole process was clear and straightforward.
December 2016
Chris Finlay
Google reviewHis professionalism and ethics are second to none in the industry and anyone considering getting a mortgage would benefit from chatting with him before anyone else. Can't recommend him enough.
December 2016
Sandra Lanois-Bazinet
Google reviewNick provided guidance through the entire process, was incredibly patient and devoted to ensuring I was comfortable every step of the way. He played a large role in making my first home buy a wonderful and special experience.
December 2016
Sean Tompkins
Google reviewNick met and exceeded every expectation we had coming in. He is extremely knowledgeable and wants nothing more but to help his clients and educate them which is rare. He answered any question we had in an extremely timely manner.
November 2016
Erin Myers
Google reviewJay and I are first time home buyers and we are so glad to have had Nick by our side to help us through the process. He went above and beyond to be there for us and to answer all our questions.
June 2016
Andrew Stewart
Google reviewI'm glad Nick was in my corner helping secure my mortgage. Nick's dedication allowed us to gain considerable savings compared to our pre-approval.
June 2016
Pratik Baxi
Google reviewAs a first time home buyer in Canada I had a lot of questions about the whole process. Nick was most helpful in answering them patiently and in a timely manner. He got a great rate with all terms and conditions we were looking for.
June 2016
Carol Morneau
Google reviewNick is extremely responsive and dedicated. Nick also didn't mind making last minute changes to our mortgage which we really appreciated. I'd recommend Nick to anyone looking into mortgages.
May 2016
Jamie Bisson
Google reviewNick was a pleasure to work with. He was always quick to answer any questions we had. On top of that, he would always touch base with us to check up on any outstanding items.
October 2017
Alex Tetreault
Google reviewFast communicator, was very flexible and able to come through and fix up unforeseen issues that arose with the house in a highly stressful time in our lives.
July 2017
Samuel Prashker
Google reviewNick helped me out with my specific situation and ensured the process was smooth from start to finish. He got me a great rate on my first condo.
December 2017
Jeff
Google reviewBuying and selling a home can be a challenging time. Having less than 30 days to complete all this was made possible by the excellent service and knowledge Nick brought to this process. His persistence and follow up ensured that we had everything in place.
October 2015
Ryan MacDonald
Google reviewI was extremely impressed with Nick's patience and knowledge while dealing with a first time home buyer. Nick worked hard and got me the lowest rate. Nick quickly answered all of my questions and guided me through the entire process.
September 2015
Sean Keating
Google reviewBuying a house can be stressful, but Nick went above and beyond to make sure our purchase went as smooth as possible. Nick is passionate about helping people, and it really shows. I would recommend Nick to anyone who is even thinking of buying a house.
July 2015
Jennifer Kennedy
Google reviewGoing through our first home buying experience was much easier while working with Nick. He responded to all of our questions, no matter what the questions were, in a very timely and professional manner.
July 2015
Jason Gauthier
Google reviewEven though we didn't end up going with him, he was integral in ensuring we got the best package for our needs. He's knowledgeable, easy to work with, and most importantly he's going to look out for your best interest every step of the way.
May 2015
Danuta Whetton
Google reviewAs first time home buyers, we appreciated Nick's professionalism and patience throughout the entire process. He worked diligently to secure an excellent rate for our mortgage, and took care to answer our questions and review all of the paperwork in detail. Long after the mortgage was done, Nick continued to check in on us.
February 2015
Lina Seto
Google reviewNick is a very patient and attentive broker and explained every process thoroughly so that I could choose a mortgage that best suited my needs. Nick was also able to get me the lowest rate on the market. I highly recommend Nick Bachusky.
June 2014
Pierre Alary
Google reviewHe was able to get me a better mortgage rate than I could have ever imagined. He walked me through the whole process, explained the pros and cons of different mortgages, and made the whole process simple and painless.
June 2014
Steve Stringer
Google reviewNick worked very hard to secure us not only the most desirable rate, but he also dug deeper to ensure we weren't signing something with conditions that weren't suitable for us. He was always available for questions and offered us advice about different financial impacts that we did not think of.
April 2014
Timothy Schmitz
Google reviewAs first-time homebuyers, Nick took the time to answer all of our questions and really made the mortgage part of the home buying experience stress-free. He is very quick at responding and we did not even have to go to his office to meet with him. He came to us.
October 2013
Chris Stapledon
Google reviewNick is very knowledgeable and always answered our questions promptly. Highly recommend.
May 2023
Jordan Parsons
Google reviewGreat experience working with Nick. I highly recommend!
2025
Want to see all 61? They live on Google, unfiltered.
Read all 61 reviews on GoogleCommon questions
I have 61 Google reviews with an average rating of 4.9 out of 5 stars, left by clients across Ottawa since 2013. You can read every one on my Google Business Profile.
Clients most often mention fast replies at any hour, patience with first-time buyers, clear explanations of the paperwork, and getting a lower rate than their own bank first offered.
Yes. I am a licensed Mortgage Agent Level 1 working under Referral Mortgages Inc., FSRA number 13316, based on Carling Avenue in Ottawa.
Yes. Every review is a verbatim quote from my public Google Business Profile, nothing edited or invented. You can verify each one directly on Google.
Get in touch
Read the reviews, then let us write yours. Leave your details and I reply within about 30 minutes during business hours, or message me on WhatsApp any time.
More ways Nick can help
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