Riley Oickle
Associate Mortgage Broker, Nova Scotia licence 2025-3001134, with Indi, The Independent Mortgage Company Ltd. (Nova Scotia Mortgage Brokerage licence 2025-3000688). Based at 30 Damascus Rd, Suite 212, Bedford, and working with borrowers across the province.
Who is Riley Oickle?
Riley Oickle is a licensed associate mortgage broker in Nova Scotia with Indi, The Independent Mortgage Company Ltd., based in Bedford and arranging residential mortgages for borrowers across the province. He grew up in rural Nova Scotia, built a multifamily rental portfolio across six Canadian markets, founded RentalConsulting.com, and wrote $10M Deals: Financial Freedom With Real Estate Investing.
Credentials and licensing
- Associate Mortgage Broker, Nova Scotia. Licence 2025-3001134, issued 3 July 2026, expiring 31 October 2026. Every Nova Scotia mortgage licence expires 31 October and is renewed for the following year.
- Brokerage. INDI THE INDEPENDENT MORTGAGE COMPANY LTD., Nova Scotia Mortgage Brokerage licence 2025-3000688, principal broker Krista Pike.
- Verify it. The province publishes a public register of licensed mortgage brokers and associate mortgage brokers. Search the name, then match the licence number and the brokerage against this page.
The full licensing picture, how we are paid, and the Form 1 disclosure you receive before any work starts: licensing and disclosure →
Background
Riley grew up in rural Nova Scotia and studied at Western University in London, Ontario. While there he built a home maintenance company, then went to work as Head of Acquisitions and Property Management for a private investor, buying and running rental property on someone else’s capital before doing it on his own.
He founded RO Capital Investments and built a multifamily portfolio across six Canadian markets using the buy, renovate, rent, refinance model, at one point managing 80 units. In early 2021 he founded RentalConsulting.com, which Business London Magazine named among its top 20. In June 2026 he published $10M Deals: Financial Freedom With Real Estate Investing.
He is also a commercial mortgage advisor with Indi Mortgage Commercial Division, which handles apartment buildings, construction and CMHC MLI Select financing. Oickle Mortgages is the residential side of the same practice.
Why that matters for a residential borrower
Most residential mortgages are straightforward, and a straightforward file should be handled quickly and placed with the lender that fits. The difference shows on the other files. Riley has structured vendor take-back mortgages, run construction draws, and put files through CMHC on the commercial side. A borrower with seasonal income, a rural property on a well, a self-employed T1 that does not look like the business, or a plan to build rather than buy, gets someone who has seen the harder version of the same problem.
It also means an honest answer about whether a bank, a credit union or a monoline is the right home for the file, because the brokerage is not tied to any one lender’s products.
What he doesn’t do
- Commercial and 5+ unit financing. That goes to Indi Mortgage Commercial Division. Four units and under is residential and stays here.
- Promise a rate before seeing the file. A rate quoted before income, credit and the property are known is a guess. You get the rate in writing on a commitment, stressed at the qualifying rate, once the file supports it.
- Lend. The brokerage is an intermediary, not a lender. Financing is subject to lender approval.
How he works
- Remote across Nova Scotia. Calls, video and e-signature. Bedford office by appointment. Where we work →
- Documents by secure upload. Never as open email attachments. What to send →
- Response within one business day. Hours are Monday to Friday, 9:00 am to 5:00 pm Atlantic.
- Form 1 disclosure up front. Before any services begin you receive and sign the Mortgage Brokerage Disclosure required under Nova Scotia regulation, which states who we act for and how we are paid.
- Paid by the lender. No fee to you on a standard residential mortgage. How a broker is paid →
Media and podcasts
Riley has been a guest on the following, mostly on the investing side of his work.
- The Thoughtful Entrepreneur, episode 1018: Manage your first income property
- Breakthrough Real Estate Investing, episode 133
- Keys to the Castle, episode 17
- Real Talk With Gary, episode 218
- The addy Podcast, episode 52
- Greatest Multifamily Investment Advice Show, episode 115
Elsewhere
- YouTube
- rileyoickle.com
- rentalconsulting.com
- Indi Mortgage Commercial Division profile
Questions people ask
Is Riley Oickle a licensed mortgage broker in Nova Scotia?
Yes. Riley holds Nova Scotia Associate Mortgage Broker licence 2025-3001134, issued 3 July 2026, with Indi, The Independent Mortgage Company Ltd., Nova Scotia Mortgage Brokerage licence 2025-3000688. Like every Nova Scotia mortgage licence it expires 31 October and is renewed annually. You can check it on the provincial public register.
Does Riley charge a fee?
Not on a standard residential mortgage. The lender pays the brokerage a finder’s fee when the mortgage funds, and you pay nothing. A borrower fee applies only on some private or alternative-lender files, and under Nova Scotia’s Standards of Conduct regulations it must be disclosed in writing and cannot be collected until the lender has confirmed funding in writing and you have accepted the commitment.
Do I have to come to Bedford?
No. The office is at 30 Damascus Rd in Bedford, but nearly every file is handled remotely: a call, a secure upload link for documents, e-signatures on the application and commitment. Riley works with borrowers from Yarmouth to Sydney the same way. The only in-person step is signing with your lawyer at closing.
Does Riley do commercial mortgages?
Not through Oickle Mortgages. Buildings with five or more units, mixed-use and commercial property are financed through Indi Mortgage Commercial Division, where Riley is also a commercial mortgage advisor. If you are not sure which side your property falls on, ask; a four-unit building is residential, a five-unit is commercial.
Talk it through before you commit to anything
A 15-minute call is enough to tell you what you qualify for, what it will cost to close, and whether a broker or your bank is the better route for your file. No fee, no obligation.