Everyone’s mortgage needs are different. At Scotiabank you'll find a mortgage solution that works for you. Save Now, Save Later Mortgage Save now with a competitive mortgage rate and save later with a guaranteed rate discount. Limited time offer. Scotia Free Down Payment Mortgage Is a down payment the only thing keeping you from owning your home? Not anymore! The Long and Short Mortgage Trying to decide between short-term rates and more secure long-term borrowing options? Here’s a mortgage for you. Scotia Secondary Home Financing Program If you’re looking for a getaway or a second home to call your own, consider your many financing options. Scotia Mortgage for Self-Employed Are you self-employed and looking to buy a home? See how much easier it can be. Welcome to Canada Program - for temporary residents We can help you feel at home faster if you are working and living in Canada temporarily. Welcome to Canada Program - for permanent residents A specially designed program to meet your mortgage needs and help you in obtaining your first home in Canada.