Nick Bachusky, Ottawa mortgage agent for purchases, renewals, refinances, and separations.
I compare dozens of lenders to find your lowest total cost.
4.9 stars · 60 Google reviews
14+ yrs
experience, formerly RBC and TD
FSRA #13316
licensed Mortgage Agent
40+
lenders compared for you
$0
cost to you for my service
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I'm Nick Bachusky, a licensed Ottawa mortgage agent arranging home purchases, mortgage renewals, refinances, and divorce and separation financing across Ottawa, Ontario, for first-time buyers, homeowners renewing or refinancing, and families navigating change. As a Mortgage Agent Level 1 with Referral Mortgages Inc., I compare dozens of lenders to find your lowest total cost.
My service standards
These are the promises I hold myself to on every file. Not marketing lines, the way I actually work.
Email or WhatsApp me during business hours and you hear back within about 30 minutes, not the next day.
While your file is active I update you every day, so you always know exactly where things stand.
I chase your lender at least twice a day to keep your approval moving and catch snags early.
My goal is broker complete about three weeks before closing, so your final weeks stay calm.
I choose the lender on the full picture including the penalty, and keep watching your rate after closing.
"Every client should feel like my only client."
You deserve someone who is honest about mortgage rates, clear about mortgage penalties, and who handles the paperwork so you do not have to. I explain your options in plain words and tell you exactly what I would do in your position.
If you have been looking for a mortgage broker in Ottawa, that is me. I am licensed as a Mortgage Agent with Referral Mortgages Inc., which is the same day to day job, and I am the licensed mortgage agent Ottawa families come to when they want a real person, not a call centre.
If you want the fuller picture, here is more about who I am and how I work.
Book a free 15-minute call
A clear, honest process that gets you approved without the stress.
A relaxed video or phone 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 your documents securely, I chase the lender at least twice a day, and you hear where the file stands every day it is active.
My goal is to be completely finished three weeks before closing, so you are focused on the house, not the financing.
Stay connected with Nick
Save my app to your phone and stay one tap away from your mortgage. Apply, message me on WhatsApp, book a video call, open your client portal, run the calculators, or sign up for my rate updates, all from a single icon on your home screen.
No download, no app store. It lives in your browser and pins to your home screen like any other app. As I always say, I am one WhatsApp message away.
Open Nick's AppOn iPhone: open the app in Safari, tap the Share button, then choose Add to Home Screen.
On Android: open the app in Chrome, tap the menu, then choose Add to Home screen.
Nick Bachusky
Mortgage Agent
Your Client Portal
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Google Meet, 15 to 30 min
Mortgage Calculator
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Weekly Rate Update
Rates & market news every week
Monthly Newsletter
Ottawa mortgage & real estate insights
Referral Mortgages · FSRA Lic #13316
Clear, steady guidance from offer to keys, whether it is your first home or your fifth. I get you broker complete early so your final weeks stay calm.
Ottawa purchase mortgagesDown payment rules, pre-approval, and what first-time home buyers in Ottawa can actually afford, explained without jargon.
First-time buyer helpA mortgage renewal is a fresh decision, not a rubber stamp. The first mailed offer is rarely the best rate, so let me check it first.
Renewal strategyA mortgage refinance can free cash flow, consolidate higher-interest debt, or unlock home equity. I weigh any penalty against the savings first.
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 mortgagesCurrent Ottawa mortgage rates, dated and explained. I shop credit unions, mortgage-only lenders, and banks so you compare on total cost.
Compare Ottawa ratesThe question almost nobody asks, and the most expensive one to skip. Learn what it costs to break a mortgage early.
How penalties workBuying a condo in Ottawa means reading the condo fees, status certificate, and special-assessment history. I know what to look for.
Condo financingAccess to 40+ lenders
I shop banks, credit unions, and mortgage-only lenders for your lowest total cost. Here are a few of the names I place Ottawa clients with.
Lender logos shown for identification only. Nick Bachusky is a licensed Mortgage Agent Level 1 with Referral Mortgages Inc. (FSRA #13316).
Your bank can only offer its own products. A mortgage agent compares dozens of lenders and works for you, not for a single bank. For most Ottawa buyers that means a lower total cost and far less back and forth.
A bank will not phone you to say it found a way to save you a few thousand dollars by switching. I watch your rate against the market and reach out first when a move makes sense.
Choice of lender
One set of rates, its own, and you are left to compare on your own.
I shop credit unions, mortgage-only lenders, and banks for your lowest total cost.
Whose side the incentive is on
Paid to keep you, so the incentive is the bank, not your best fit.
Paid the same whichever lender you choose, so my only incentive is your fit.
Who makes the first move
Waits for you to accept the renewal letter, often not its best rate.
I reach out first when switching lenders can save you money.
A mortgage penalty is what a lender charges if you break or pay off your mortgage early. Two mortgages at the same rate are not equal once you count the exit cost, and the wrong cheap-rate product can cost thousands later.
The size of the penalty depends heavily on the lender, and almost nobody asks about it before signing. That is why I weigh the penalty before choosing your mortgage, not after.
Credit union or mortgage-only lender
Lower exit cost$3,000 to $4,000
It could be a smaller penalty on the same rate, so you stay freer to switch and capture savings later.
A big bank
Higher exit cost$10,000 to $15,000
It could be a much larger penalty on the same rate that quietly locks you in for the full term.
Illustrative example as of June 2026, breaking the same fixed mortgage. Not a quote or a promise.
Prefer a callback?
Not ready for a full application or a booked call? Drop your number and a short note. I reply within about 30 minutes during business hours.
Across the city
If you are looking for a mortgage agent near me anywhere in the city, I arrange mortgages for clients right across Ottawa and the surrounding area. I am licensed in Ontario, so I cover Ottawa and area, not Quebec or Gatineau.
4.9 stars from 60 Google reviews left by home buyers I've worked with across Ottawa.
Straight answers
These are the questions I answer on WhatsApp every week, written down the way I would say them across a table.
Still wondering about your own numbers?
Send me the question exactly as it sits in your head. I am one WhatsApp message away.
Message NickFor a standard residential mortgage you do not pay me a fee for my service. You get my full lender comparison and ongoing rate monitoring without paying out of pocket. The rare exception is a specialised or private deal, where a fee can apply, and I tell you about any such cost in writing, up front, before you commit to anything.
Often, yes, because an agent compares dozens of lenders instead of one. Your bank can only offer its own rates, while I shop credit unions, mortgage-only lenders, and banks for your lowest total cost, and that wider comparison can save you a good deal over the term.
In Ontario the licensing levels differ, but for you the day-to-day service is the same: someone who shops many lenders on your behalf. I am a licensed Mortgage Agent Level 1 working under Referral Mortgages Inc. (FSRA #13316). People search for all sorts of titles. Some look for a mortgage broker Ottawa homeowners trust. Others want a mortgage specialist Ottawa, or a mortgage advisor Ottawa. The job behind each one is the same, and I do it: compare dozens of lenders to find you the right mortgage.
A mortgage penalty is what a lender charges if you break your mortgage before the term ends, usually by selling, refinancing, or switching lenders early. It exists because your rate was priced around keeping the loan for the full term. The size varies a lot by lender and product, which is why I weigh the penalty before choosing your mortgage, not after.
It depends on the lender and how quickly your documents come in, but speed is built into how I work. No message sits longer than about 30 minutes during business hours, I chase the lender at least twice a day, and I update you every day your file is active. My goal is to be broker complete about three weeks before closing.
Yes, first-time buyers are one of my four core specialisations. I walk you through down payment rules, pre-approval, documents, and what you can comfortably afford, in plain words. I would rather you keep doing the things you enjoy than be approved for the maximum and end up house poor.
I work with clients right across Ottawa and the surrounding area, including Orléans, Kanata, Barrhaven, Nepean, Gloucester, Hintonburg, the Glebe, 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, a simple process, and dozens of lenders working for you.