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Mortgages
Make home ownership in today’s market a little bit easier. Get personalized advice from our Home Financing Advisors and unlock preferred rates.1
FEATURED BENEFIT
Unlock a preferred mortgage rate with the Scotia Mortgage+ Program when you bundle your eligible mortgage with select Scotia banking products.1 See offer details
What kind of homebuyer are you?
You’re ready to renew
It’s time to renew your mortgage. Our knowledgeable advisors can provide the advice you’re looking for to prepare for your renewal.
Switch to Scotiabank
Simplify your finances. Switch your mortgage to Scotiabank, hassle-free.
You’re a first-time homebuyer
Buying your first home is a huge milestone—and we know you want to get it right. From calculating what you can afford to making sure your payments are protected, you’ll have guidance at every step. Our knowledgeable advice can help you explore homeownership with confidence.
Scotia Total Equity® Plan (STEP)
Use our Scotia Total Equity Plan to help leverage up to 80% of the value of your home and choose from a broad range of Scotiabank products.
Connect with a Home Financing Advisor
Whether you’re a first-time home buyer, a newcomer to Canada, or looking to buy a second home, a Scotiabank Home Financing Advisor can provide fast service, competitive rates, and tailored advice. They’ll help find the right mortgage solution for you.
eHOME
The online mortgage hub
Get pre-approved in minutes, track your application status, and receive your mortgage approval online.3
Mortgage rates
Mortgage rates can seem overwhelming. But we’re here to break it down for you and help you understand a complex environment. At Scotia, we offer personalized advice and access to preferred rates to help you reach your home ownership goals.
We can help answer questions you didn’t even know you had.
- Open or closed mortgage?
- Fixed or variable?
- Prepayment options or a payment vacation?
Looking to renew? Find out more
Learn more about our posted rates
Helpful Mortgage Tools
Our easy-to-use tools are designed to help you make informed decisions about your mortgage.
Here’s a look at what you can explore:
Mortgage calculator
Get an estimate of your monthly mortgage payments, so you can plan your finances with confidence.
Scotia Total Equity® Plan (STEP) calculator
Use the equity from your home when you need it with a flexible STEP Mortgage.
What can I afford?
Find out how much house you can afford so you can choose a mortgage with confidence.
Scotia Mortgage Protection
Protect your biggest financial investment by adding optional Scotia Mortgage Protection insurance anytime point during your mortgage term. Scotia Mortgage Protection offers four coverage options that can help pay off your mortgage, or keep up with your payments, because of certain unexpected life events.**2
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How refinancing your mortgage can give you more options and flexibility
Building more flexibility into your financial toolbox with a home equity loan or line of credit can help give you peace of mind.Mortgage FAQs
Ready to apply?
Make an appointment with a Home Financing Advisor
Talk to a Home Financing Advisor on the phone or at a location of your choice.
Apply online with eHOME
You can be pre-approved, search for a home, and get a mortgage all in one place with Scotiabank’s online mortgage application process.
Visit an advisor at your branch
Talk to a Scotiabank Financial Advisor at one of our branches to learn more about our mortgage solutions.