Fit in a mortgage when it’s convenient for you.

Flexible mortgage solutions for physicians

The Scotiabank Healthcare+ Physician Banking Program has flexible mortgage solutions designed for your busy schedule. Our Home Financing Advisors provide customized mortgage solutions to meet your unique needs, helping you get a mortgage on your terms.

Scotia Total Equity Plan® (STEP)

Our Scotia Total Equity Plan® mortgage lets you borrow against the value of your home. You only need to apply once to unlock credit for your dreams tomorrow.

Learn more about STEP

Flexible mortgage solutions

Early career physicians can quality for a mortgage based on estimated projected income¹, giving you more options when buying a home.

Locate an advisor

Scotiabank eHOME

Completely digital mortgage experience. Now you can be pre-approved, search for a home and get mortgage approval all in one place, all online.

Visit eHome

Mortgage payment calculator

Find out what your mortgage payments will be, so you can ensure it fits your budget.

View

Scotia Total Equity Plan Calculator

Use the Scotia Total Equity Plan to tap into your home equity.

View

Articles

Physicians, looking to purchase an investment property?

For physicians, buying a second home is a common way to invest. If you’re thinking about this, here’s some things to consider when making this decision.

Read article

Your Mortgage Options

Term vs. amortization? Fixed vs. variable? Learn the definitions for key mortgage terms.

Types of Home Insurance

Learn the difference between homeowner insurance, mortgage default insurance and creditor insurance.

Make an appointment with a Home Financing Advisor

Talk to a Home Financing Advisor by phone or at a location of your choice.

Locate an advisor

Visit an Advisor at your branch

Talk to a Scotiabank Advisor in branch to learn more about the STEP.

Find your branch

Terms and conditions

All banking and credit products and services are offered by The Bank of Nova Scotia (“Scotiabank”) unless otherwise noted. Credit and lending products are subject to credit approval by Scotiabank. Terms and conditions apply to all reward programs and benefits and should be reviewed carefully before applying. All offers, rates, fees, features, reward programs and benefits and related terms and conditions are subject to change. Visit scotiabank.com or speak with your MD Advisor or a Scotiabank representative for full details

Registered trademarks of The Bank of Nova Scotia.

Subject to meeting Scotiabank's standard credit criteria residential mortgage standards and maximum permitted loan amounts. A new application may be required to add or change products under the STEP in some circumstances and if you request a change to the credit limits of your products, you may be asked to provide updated information and/or submit a new application. In some cases, a new mortgage registration may be required. The borrowing limit for revolving credit products is 65% of the value of the property. Not all mortgage solutions may be eligible to be included as part of STEP. Additional restrictions and conditions may apply.

For residents, fellows and new-to-practice physicians, the mortgage amount qualified for is based on estimated projected income. The projected income is an average estimated amount based on available industry data and is subject to change. Your actual income may vary. Terms and conditions apply.