About
Vatsal Barot
Your Trusted Mortgage Expert: Building Dreams, One Home at a Time
My move to Canada in 2017 opened the door to new opportunities, and by 2019, I had settled in Nova Scotia — a place I’m proud to call home. Along the way, I worked in customer-focused roles across retail, hospitality, and banking. These experiences taught me the importance of listening, being present, and doing what’s right for each individual — values that now guide my work in the mortgage industry.
I became a licensed mortgage broker to help people make informed, confident decisions about home financing. Whether it’s a first-time purchase, a refinance, or exploring options for the future, my goal is to make the process clear and comfortable for you.
In 2020, while exploring business opportunities in New Brunswick, I felt a strong connection with the province and decided to expand my services there as well. Now, I’m licensed to serve clients across both Nova Scotia and New Brunswick.
No matter where you are in your journey, I’m here to help with honest advice, personalized solutions, and steady support — without the pressure.
Let’s connect when the time feels right. I’m here when you need me.
Key Historical Interest Rate Changes Impacting the Canadian Housing Market
1981 - Peak Interest Rates
In 1981, the Bank of Canada raised interest rates to a record high of 21%, leading to a significant slowdown in the housing market as borrowing costs soared.
1991 - Economic Recession
In response to the early 1990s recession, the Bank of Canada reduced interest rates significantly, which helped stabilize the housing market and stimulate economic recovery.
2000 - Post-Tech Bubble Rate Cuts
Following the burst of the tech bubble, the Bank of Canada cut interest rates to support the economy, making mortgages more affordable and boosting the housing market.
2008 - Global Financial Crisis
In 2008, during the global financial crisis, the Bank of Canada sharply reduced interest rates to a historic low of 0.25%, aiming to support the economy and the housing sector..
2010 - Gradual Rate Increases Post-Recession
Starting in 2010, the Bank of Canada began gradually increasing interest rates from the recession-era lows, affecting mortgage rates and cooling down the housing market.
2015 - Oil Price Shock
In response to the oil price shock and its impact on the Canadian economy, the Bank of Canada cut interest rates twice in 2015, which helped sustain housing market activity..
2017 - Rate Hikes After Prolonged Lows
The Bank of Canada initiated a series of interest rate hikes in 2017 after keeping rates at historically low levels, impacting mortgage rates and slowing down housing price growth
2020 - COVID-19 Pandemic Response
In 2020, amid the COVID-19 pandemic, the Bank of Canada lowered interest rates to 0.25% to support the economy, leading to a surge in housing market activity due to lower borrowing costs.
2022 - Rapid Rate Hikes to Combat Inflation
Facing rising inflation, the Bank of Canada rapidly increased interest rates in 2022, significantly affecting mortgage affordability and cooling the housing market.
Why Choose Us?
As licensed mortgage brokers deeply rooted in the local communities of Nova Scotia and New Brunswick, we offer unparalleled insights into the regional housing markets, empowering our clients with the knowledge they need to make informed decisions and secure the best mortgage options available.
Local Expertise and Insight
Our extensive knowledge of the Nova Scotia and New Brunswick housing markets ensures that you receive expert guidance tailored to your specific needs. Whether you're buying your first home or refinancing, our local insight allows us to offer personalized mortgage solutions that are second to none.
Dedicated Customer Service
We prioritize your satisfaction and peace of mind throughout the mortgage process. From the initial consultation to the closing of your loan, our dedicated team provides transparent communication, timely responses, and proactive support, ensuring a smooth and efficient experience.
Customized Mortgage Solutions:
We understand that every client's financial situation is unique. That's why we specialize in crafting customized mortgage solutions that align with your long-term financial goals. Whether you're looking for competitive rates, flexible terms, or specialized financing options, we have the expertise to find the right fit for you.
Trusted Advisor and Ethical Standards
As licensed professionals, we adhere to the highest ethical standards and regulations in the industry. You can trust us to provide honest advice, transparent pricing, and reliable mortgage solutions that prioritize your financial well-being. Our commitment to integrity and trust ensures that you receive the best possible service and outcomes.
What Our Clients Say
