Mortgage broker for all of Nova Scotia

Nothing, on a standard residential mortgage. The lender pays the brokerage a finder’s fee when the mortgage funds, so the borrower pays $0. A fee can apply on some private or alternative-lender mortgages, and Nova Scotia regulation requires it to be disclosed to you in writing before you sign and prevents it being collected until the lender has confirmed funding in writing.

A bank branch can only offer its own products. A broker places the same application with banks, credit unions, monoline lenders and, where needed, alternative lenders, and is paid by whichever one funds it. For a straightforward file with a strong bank relationship, your bank may match; for anything with a wrinkle — self-employment, a rural property, a tight timeline, a renewal you want to move — a broker has more places to take it.

All of it. The office is in Bedford, and the application, documents and signing are handled remotely, so Truro, New Glasgow, Kentville, Yarmouth, Sydney and everywhere between are served the same way as Halifax. Appraisers and lawyers are local to the property.

A pre-approval takes one to three business days once documents are in. A full approval on a purchase typically takes five to ten business days from an accepted offer to a firm commitment, with the appraisal usually the longest step. Rural properties on well and septic, and construction files, take longer.

Photo ID, a letter of employment and two recent pay stubs (or two years of Notices of Assessment and T1 Generals if self-employed), your most recent T4, three months of bank statements showing the down payment, and a mortgage statement if you already own property. The full checklist page lists what each lender type asks for.

Yes. Riley Oickle is an associate mortgage broker, Nova Scotia licence 2025-3001134, with Indi, The Independent Mortgage Company Ltd., Nova Scotia Mortgage Brokerage licence 2025-3000688. Both can be checked on the province’s public register, linked on the licensing page.