Cape Forchu, Yarmouth
A mortgage broker near you, in every part of Nova Scotia
Licensed for the whole province and worked remotely, with a page for each region and town: its municipal deed transfer tax, the regional price, which first-time buyer program applies, and what lenders ask about the local housing stock.
Is there a mortgage broker near me in Nova Scotia?
Anywhere in the province, yes. Riley Oickle is licensed province-wide and works from Bedford, and the application, documents and signing are remote — so proximity decides your deed transfer tax, regional price and programs, not whether you can be served. Find your town in the list below: each of the 7 region and 64 town pages carries its municipal rate, the August 2026 regional average and the first-time buyer caps.
Nova Scotia by region7 regions, 64 town pages · the 11 largest named, hover a dot for the rest
- Halifax Regional Municipality
- Cape Breton
- South Shore
- Annapolis Valley
- Northern Nova Scotia
- Highland Region
- Yarmouth and Southwest Nova Scotia
- Truro
- Yarmouth
- New Glasgow
- Kentville
- Sydney
- Halifax
- Dartmouth
- Bedford
- Sackville
- Bridgewater
- Amherst
- Antigonish
- Wolfville
- Windsor
- Glace Bay
- Elmsdale and Enfield
- Lunenburg
- Digby
- Cole Harbour
- Eastern Passage
- Spryfield
- Timberlea, Lakeside and Beechville
- Fall River and Waverley
- Beaver Bank
- Hammonds Plains
- Tantallon and St. Margarets Bay
- New Minas
- Kingston and Greenwood
- Clare
- Argyle
- Barrington
- New Waterford
- North Sydney
- Sydney Mines
- Stellarton
- Westville
- Trenton
- Pictou
- Port Hawkesbury
- Chéticamp
- Dominion
- Springhill
- Mount Uniacke
- Liverpool
- Berwick
- Coldbrook
- Porters Lake and Lake Echo
- Brookside and Hatchet Lake
- Middleton
- Bridgetown
- Port Williams
- Centreville
- Hantsport
- Falmouth
- Chester
- Mahone Bay
- Shelburne
- Stewiacke
- Shubenacadie
- Parrsboro
- Oxford
- Inverness
- Louisbourg
- Howie Centre
Zoom with + and −, a double-click or a pinch; drag to move.
Named: the 11 largest communities with a page, by the population each page cites. Every dot links to its town page; region names link to the region page.
What "near me" means for a mortgage in Nova Scotia
Three things about a mortgage are genuinely local, and none of them is the broker's postcode: the deed transfer tax your municipality charges, the regional average price a lender's appraiser works against, and the property questions rural Nova Scotia raises — the oil tank, the well and septic, the wood stove. Those are on your town's page.
Everything else travels. Lenders price the same in Yarmouth as in Bedford, the application is one form, documents upload from a phone, and the signing happens with a lawyer in your own town at closing. A broker two streets away has no advantage over one two hours away; a broker who knows which lender accepts a dug well does.
People look for local mortgage brokers, or for mortgage brokers in my area, expecting that proximity is what matters. On a mortgage it rarely is: the lender, not the postcode, decides what you are offered.
The words people search. Mortgage agent, mortgage advisor, mortgage consultant, mortgage specialist — in Nova Scotia those are labels for the same regulated role, and they return the same licensed people. The province licenses mortgage brokers and associate mortgage brokers. The one real difference is a bank's own mortgage specialist, who works for that lender alone. The four titles, compared →
Where the office is
Oickle Mortgages · Riley Oickle, Associate Mortgage Broker, licence 3001134
30 Damascus Rd, Suite 212, Bedford, NS B4A 0C2
(902) 298-0218 · [email protected]
Monday to Friday, 8:00 am to 10:00 pm Atlantic
Serving all of Nova Scotia through Indi, The Independent Mortgage Company Ltd., brokerage licence 3000688. Verify both licences · the four checks to run on any broker.
Every community, and the page that covers it
The full list, so you can check in one place. A community without its own page is covered by its region page, which carries the deed transfer tax for the municipality it sits in.
| Community | Municipality | Tax | Covered by |
|---|---|---|---|
| Advocate Harbour | Municipality of the County of Cumberland | 1.5% | Northern Nova Scotia |
| Amherst | Town of Amherst | 1.5% | Amherst page |
| Annapolis Royal | Town of Annapolis Royal | 1.5% | Annapolis Valley |
| Antigonish | Town of Antigonish | 1.5% | Antigonish page |
| Argyle | Municipality of the District of Argyle | 1% | Argyle page |
| Arichat | Municipality of the County of Richmond | 1.5% | Cape Breton |
| Baddeck | Municipality of the County of Victoria | 1.5% | Cape Breton |
| Barrington | Municipality of the District of Barrington | 1.5% | Barrington page |
| Beaver Bank | Halifax Regional Municipality | 1.5% | Beaver Bank page |
| Bedford | Halifax Regional Municipality | 1.5% | Bedford page |
| Berwick | Town of Berwick | 1.25% | Berwick page |
| Bible Hill | Municipality of Colchester | 1.5% | Northern Nova Scotia |
| Bridgetown | Municipality of the County of Annapolis | 1.5% | Bridgetown page |
| Bridgewater | Town of Bridgewater | 1.5% | Bridgewater page |
| Brookside and Hatchet Lake | Halifax Regional Municipality | 1.5% | Brookside and Hatchet Lake page |
| Canning | Municipality of the County of Kings | 1.5% | Annapolis Valley |
| Canso | Municipality of the District of Guysborough | 1% | Highland Region |
| Centreville | Municipality of the County of Kings | 1.5% | Centreville page |
| Chester | Municipality of the District of Chester | 1.5% | Chester page |
| Chéticamp | Municipality of the County of Inverness | 1.5% | Chéticamp page |
| Clare | Municipality of the District of Clare | 1% | Clare page |
| Clark’s Harbour | Town of Clark's Harbour | 1% | Yarmouth and Southwest Nova Scotia |
| Coldbrook | Municipality of the County of Kings | 1.5% | Coldbrook page |
| Cole Harbour | Halifax Regional Municipality | 1.5% | Cole Harbour page |
| Dartmouth | Halifax Regional Municipality | 1.5% | Dartmouth page |
| Digby | Town of Digby | 1.5% | Digby page |
| Dominion | Cape Breton Regional Municipality | 1.5% | Dominion page |
| Eastern Passage | Halifax Regional Municipality | 1.5% | Eastern Passage page |
| Elmsdale and Enfield | Municipality of the District of East Hants | 1.5% | Elmsdale and Enfield page |
| Fall River and Waverley | Halifax Regional Municipality | 1.5% | Fall River and Waverley page |
| Falmouth | West Hants Regional Municipality | 1.5% | Falmouth page |
| Glace Bay | Cape Breton Regional Municipality | 1.5% | Glace Bay page |
| Guysborough | Municipality of the District of Guysborough | 1% | Highland Region |
| Halifax | Halifax Regional Municipality | 1.5% | Halifax page |
| Hammonds Plains | Halifax Regional Municipality | 1.5% | Hammonds Plains page |
| Hantsport | West Hants Regional Municipality | 1.5% | Hantsport page |
| Herring Cove | Halifax Regional Municipality | 1.5% | Halifax Regional Municipality |
| Howie Centre | Cape Breton Regional Municipality | 1.5% | Howie Centre page |
| Hubbards | Municipality of the District of Chester | 1.5% | South Shore |
| Inverness | Municipality of the County of Inverness | 1.5% | Inverness page |
| Kentville | Town of Kentville | 1.5% | Kentville page |
| Kingston and Greenwood | Municipality of the County of Kings | 1.5% | Kingston and Greenwood page |
| LaHave | Municipality of the District of Lunenburg | 1.25% | South Shore |
| Liverpool | Region of Queens Municipality | 1.5% | Liverpool page |
| Lockeport | Town of Lockeport | 1.5% | Yarmouth and Southwest Nova Scotia |
| Louisbourg | Cape Breton Regional Municipality | 1.5% | Louisbourg page |
| Lunenburg | Town of Lunenburg | 1.5% | Lunenburg page |
| Mahone Bay | Town of Mahone Bay | 1.5% | Mahone Bay page |
| Middleton | Town of Middleton | 1.5% | Middleton page |
| Mount Uniacke | Municipality of the District of East Hants | 1.5% | Mount Uniacke page |
| Mulgrave | Town of Mulgrave | 1.5% | Highland Region |
| Musquodoboit Harbour | Halifax Regional Municipality | 1.5% | Halifax Regional Municipality |
| New Germany | Municipality of the District of Lunenburg | 1.25% | South Shore |
| New Glasgow | Town of New Glasgow | 1% | New Glasgow page |
| New Minas | Municipality of the County of Kings | 1.5% | New Minas page |
| New Waterford | Cape Breton Regional Municipality | 1.5% | New Waterford page |
| North Sydney | Cape Breton Regional Municipality | 1.5% | North Sydney page |
| Oxford | Town of Oxford | 1.5% | Oxford page |
| Parrsboro | Municipality of the County of Cumberland | 1.5% | Parrsboro page |
| Petite Riviere | Municipality of the District of Lunenburg | 1.25% | South Shore |
| Pictou | Town of Pictou | 1% | Pictou page |
| Port Hawkesbury | Town of Port Hawkesbury | 1.5% | Port Hawkesbury page |
| Port Williams | Municipality of the County of Kings | 1.5% | Port Williams page |
| Porters Lake and Lake Echo | Halifax Regional Municipality | 1.5% | Porters Lake and Lake Echo page |
| Pugwash | Municipality of the County of Cumberland | 1.5% | Northern Nova Scotia |
| River John | Municipality of the County of Pictou | 1% | Highland Region |
| Sackville | Halifax Regional Municipality | 1.5% | Sackville page |
| Sheet Harbour | Halifax Regional Municipality | 1.5% | Halifax Regional Municipality |
| Shelburne | Town of Shelburne | 1.5% | Shelburne page |
| Sherbrooke | Municipality of the District of St. Mary's | 1.25% | Highland Region |
| Shubenacadie | Municipality of the District of East Hants | 1.5% | Shubenacadie page |
| Springhill | Municipality of the County of Cumberland | 1.5% | Springhill page |
| Spryfield | Halifax Regional Municipality | 1.5% | Spryfield page |
| Stellarton | Town of Stellarton | 1% | Stellarton page |
| Stewiacke | Town of Stewiacke | 1% | Stewiacke page |
| Sydney | Cape Breton Regional Municipality | 1.5% | Sydney page |
| Sydney Mines | Cape Breton Regional Municipality | 1.5% | Sydney Mines page |
| Tantallon and St. Margarets Bay | Halifax Regional Municipality | 1.5% | Tantallon and St. Margarets Bay page |
| Tatamagouche | Municipality of Colchester | 1.5% | Northern Nova Scotia |
| Timberlea, Lakeside and Beechville | Halifax Regional Municipality | 1.5% | Timberlea, Lakeside and Beechville page |
| Trenton | Town of Trenton | 1% | Trenton page |
| Truro | Town of Truro | 1.5% | Truro page |
| Westville | Town of Westville | 1% | Westville page |
| Weymouth | Municipality of the District of Digby | 1% | Yarmouth and Southwest Nova Scotia |
| Whycocomagh | Municipality of the County of Inverness | 1.5% | Cape Breton |
| Windsor | West Hants Regional Municipality | 1.5% | Windsor page |
| Wolfville | Town of Wolfville | 1.5% | Wolfville page |
| Yarmouth | Town of Yarmouth | 1% | Yarmouth page |
The seven regions
Price data is regional, so each region page carries every municipality’s tax, the regional average, which programs apply, and the communities without a page.
- Down payment $23,379
- Deed transfer tax $7,014
- Legal $1,000
- Recording and title $500
5% down; 1.5% deed transfer tax, as in Halifax, Cape Breton, Truro and most of the province; typical legal, recording and title figures.
Halifax Regional Municipality
Halifax County · 1.5% tax · $592,675 (-1.9%)
Cape Breton
Cape Breton, Victoria, Inverness and Richmond counties · 1.5% tax · $289,859 (+15.3%)
South Shore
Lunenburg and Queens counties · 1.25%–1.5% tax · $455,127 (+0.9%)
Annapolis Valley
Kings, Annapolis and West Hants · 1.25%–1.5% tax · $394,019 (+1.7%)
Northern Nova Scotia
Colchester, Cumberland and East Hants · 1%–1.5% tax · $332,251 (-1.3%)
Highland Region
Pictou, Antigonish and Guysborough counties · 1%–1.5% tax · $367,859 (+14.1%)
Yarmouth and Southwest Nova Scotia
Yarmouth, Digby and Shelburne counties · 1%–1.5% tax · $313,944 (-4.4%)
Town pages
Looking for a mortgage broker in Halifax, a mortgage broker in Dartmouth or a mortgage broker in Sydney, NS? Each has its own page, and so does every town below.
Tax: municipal deed transfer tax. Price: August 2026 regional average.
Truro
Colchester County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Yarmouth
Yarmouth County · 1% tax · Yarmouth $313,944 (-4.4%)
New Glasgow
Pictou County · 1% tax · Highland Region $367,859 (+14.1%)
Kentville
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Sydney
Cape Breton Regional Municipality · 1.5% tax · Cape Breton $289,859 (+15.3%)
Halifax
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Dartmouth
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Bedford
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Sackville
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Bridgewater
Lunenburg County · 1.5% tax · South Shore $455,127 (+0.9%)
Amherst
Cumberland County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Antigonish
Antigonish County · 1.5% tax · Highland Region $367,859 (+14.1%)
Wolfville
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Windsor
Hants County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Glace Bay
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Elmsdale and Enfield
Hants County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Lunenburg
Lunenburg County · 1.5% tax · South Shore $455,127 (+0.9%)
Digby
Digby County · 1.5% tax · Yarmouth $313,944 (-4.4%)
Cole Harbour
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Eastern Passage
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Spryfield
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Timberlea, Lakeside and Beechville
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Fall River and Waverley
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Beaver Bank
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Hammonds Plains
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Tantallon and St. Margarets Bay
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
New Minas
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Kingston and Greenwood
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Clare
Digby County · 1% tax · Yarmouth $313,944 (-4.4%)
Argyle
Yarmouth County · 1% tax · Yarmouth $313,944 (-4.4%)
Barrington
Shelburne County · 1.5% tax · Yarmouth $313,944 (-4.4%)
New Waterford
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
North Sydney
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Sydney Mines
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Stellarton
Pictou County · 1% tax · Highland Region $367,859 (+14.1%)
Westville
Pictou County · 1% tax · Highland Region $367,859 (+14.1%)
Trenton
Pictou County · 1% tax · Highland Region $367,859 (+14.1%)
Pictou
Pictou County · 1% tax · Highland Region $367,859 (+14.1%)
Port Hawkesbury
Inverness County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Chéticamp
Inverness County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Dominion
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Springhill
Cumberland County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Mount Uniacke
Hants County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Liverpool
Queens County · 1.5% tax · South Shore $455,127 (+0.9%)
Berwick
Kings County · 1.25% tax · Annapolis Valley $394,019 (+1.7%)
Coldbrook
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Porters Lake and Lake Echo
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Brookside and Hatchet Lake
Halifax Regional Municipality · 1.5% tax · Halifax-Dartmouth $592,675 (-1.9%)
Middleton
Annapolis County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Bridgetown
Annapolis County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Port Williams
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Centreville
Kings County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Hantsport
Hants County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Falmouth
Hants County · 1.5% tax · Annapolis Valley $394,019 (+1.7%)
Chester
Lunenburg County · 1.5% tax · South Shore $455,127 (+0.9%)
Mahone Bay
Lunenburg County · 1.5% tax · South Shore $455,127 (+0.9%)
Shelburne
Shelburne County · 1.5% tax · Yarmouth $313,944 (-4.4%)
Stewiacke
Colchester County · 1% tax · Northern Nova Scotia $332,251 (-1.3%)
Shubenacadie
Hants County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Parrsboro
Cumberland County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Oxford
Cumberland County · 1.5% tax · Northern Nova Scotia $332,251 (-1.3%)
Inverness
Inverness County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Louisbourg
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Howie Centre
Cape Breton County · 1.5% tax · Cape Breton $289,859 (+15.3%)
Go deeper
The detail, if you want it
Every region, August 2026
| Region | Communities | Average price | Year over year | Deed transfer tax |
|---|---|---|---|---|
| Halifax Regional Municipality | Halifax, Dartmouth, Bedford, Sackville, Cole Harbour, Fall River, Tantallon, Porters Lake, Musquodoboit | $592,675 | -1.9% | 1.5% |
| Cape Breton | Sydney, Glace Bay, New Waterford, North Sydney, Sydney Mines, Port Hawkesbury, Baddeck, Inverness, Cheticamp | $289,859 | +15.3% | 1.5% |
| South Shore | Bridgewater, Lunenburg, Mahone Bay, Chester, Liverpool, Hubbards, New Germany | $455,127 | +0.9% | 1.25%–1.5% |
| Annapolis Valley | Kentville, New Minas, Wolfville, Berwick, Middleton, Windsor, Greenwood, Annapolis Royal, Digby | $394,019 | +1.7% | 1.25%–1.5% |
| Northern Nova Scotia | Truro, Amherst, Bible Hill, Stewiacke, Elmsdale, Enfield, Oxford, Springhill, Parrsboro | $332,251 | -1.3% | 1%–1.5% |
| Highland Region | New Glasgow, Stellarton, Westville, Trenton, Pictou, Antigonish, Guysborough, Sherbrooke | $367,859 | +14.1% | 1%–1.5% |
| Yarmouth and Southwest Nova Scotia | Yarmouth, Digby, Weymouth, Church Point, Barrington, Shelburne, Pubnico, Wedgeport | $313,944 | -4.4% | 1%–1.5% |
Why a broker
Licensed, independent, paid by the lender
- Licensed in Nova Scotia Associate broker 3001134, verifiable on the provincial register
- $0 broker fee On a standard residential mortgage the lender pays, not you
- Banks, credit unions, monolines One application, one credit check, placed with the lender that reads your file best
- Every part of the province Bedford office, remote process: Yarmouth to Sydney, the same four steps
Questions people ask
Is there a mortgage broker near me in Nova Scotia?
Wherever you are in the province, yes. Riley Oickle is licensed for all of Nova Scotia and works from Bedford; the application, the documents and the signing are remote, so where you live decides your deed transfer tax, your regional price and which programs you fit — not whether you can be served. Find your town below and the page for it carries all three.
Do I have to meet in person?
No. Most files are done entirely by phone, email and e-signature, and the lawyer handles the signing locally at closing. If you would rather meet, the office is at 30 Damascus Rd, Suite 212, Bedford, Monday to Friday, 8 am to 10 pm Atlantic.
Is a mortgage agent near me the same as a mortgage broker?
In Nova Scotia, yes. The province licenses mortgage brokers and associate mortgage brokers; “mortgage agents near me”, “mortgage advisor near me”, “mortgage consultant near me” and “mortgage specialist near me” are informal labels people search for, and they return the same licensed people. A bank’s mortgage specialist is the exception — an employee of one lender.
How do I find a mortgage broker near me in Nova Scotia?
Start from the provincial public register rather than a directory, then check the licence is current. Searches for local mortgage brokers near me, or for mortgage brokers in my area, are really asking who can place your file — and on a Nova Scotia mortgage that is decided by which lenders a brokerage deals with, not by how far away the desk is. The town pages below carry the part that genuinely is local: your deed transfer tax, your regional price and the programs you fit.
My town is not listed. Can you still help?
Yes. Every community in Nova Scotia is covered by one of the seven region pages, which carries the deed transfer tax for the municipality it sits in. The table below names every community this site covers and the page that covers it.
Do you serve areas outside Halifax?
Yes, the whole province. The office is in Bedford; application, documents and signing are remote, so a buyer in Yarmouth, Sydney or Amherst is served the same way as one in Dartmouth. Appraisers and lawyers are local.
Why does the deed transfer tax differ by town?
Each municipality sets its own rate by by-law. On the July 2026 schedule, 15 municipalities charge 1.0% (all of Pictou and Yarmouth counties included), 3 charge 1.25%, and 31, including Halifax and Cape Breton Regional Municipalities, charge 1.5%.
Are house prices published by town in Nova Scotia?
No. The Nova Scotia Association of REALTORS® publishes average prices by region (Halifax-Dartmouth, Northern, Highland, Cape Breton, Annapolis Valley, South Shore and Yarmouth), not by town; every price here is regional, labelled as one.
Which Nova Scotia region has the lowest closing costs?
Pictou County and Southwest Nova Scotia. Every Pictou County municipality charges 1.0% deed transfer tax, as do the Town of Yarmouth and the Districts of Yarmouth, Argyle, Clare and Digby: on a $350,000 purchase, $3,500 against $5,250 in Halifax, Truro or Cape Breton.
Still unsure? Ask me directly.
If your question isn't here, your situation is probably specific. Fifteen minutes on the phone beats reading another page, and nothing is pulled on your credit.
(902) 298-0218 · Monday to Friday, 8:00 am to 10:00 pm Atlantic
Ready when you are.
Fifteen minutes on the phone tells you what you qualify for, what closing will cost in your municipality, and whether a broker or your own bank is the better route. No fee, no credit check, no obligation.
(902) 298-0218 · Monday to Friday, 8:00 am to 10:00 pm Atlantic