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The Long and Short ® Mortgage
Right for you if:
You want low interest short-term rates
You want the security of a longer fixed rate mortgage and can't decide
Benefits of The Long and Short Mortgage
Two interest rates
Get any fixed rate, closed term mortgage for one portion, and a Scotia Flex Value© Mortgage for the other†.
Added Benefits
With this program being under The Scotia Total Equity Plan you may be able to also reduce the cost of your borrowing and potentially save hundreds of dollars every year.
Match-a-Payment
You can pay an extra regular mortgage payment on any of your regular payment dates during your term.
Miss-a-Payment
You can miss a mortgage payment as long as you have matched one previously in your term.
Conventional and insured financing available.
PLUS:
Choose from weekly, biweekly, semi-monthly, and monthly payment options.
Scotia Mortgage Protection can help make sure the home you worked so hard for is protected.
Rates, Terms & Options
One part of the mortgage payment amount resets every time Scotiabank Prime Rate changes
One part of the mortgage payment amount at a fixed rate for the full term chosen
Mortgage Rates
We understand that everyone's mortgage needs are different. Let us help you find a mortgage that's just right for you4.
Variable Rate Mortgages
Suggested tools
Unlock your equity with STEP
Use the Scotia Total Equity Plan to tap into your home equity. You’ll save with lower rates and get the funds you need to reach your goals.
Mortgage calculator
Find out what your mortgage payments will be, so you can ensure your mortgage fits your budget.
Prepayment calculator
Find out what your mortgage prerepayment charge will be, so you can be mortgage-free faster.
Plan today for a secure tomorrow
Maintain the home and lifestyle you’ve worked hard to build.
Contact us
Make an appointment with a Home Financing Advisor
Talk to a Home Financing Advisor on the phone or at a location of your choice.
Visit an advisor at your branch
Talk to a Scotiabank Financial Advisor at one of our branches to learn more about our mortgage solutions.
All mortgage applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts.
Some conditions apply.
Conditions
Mortgage Rates Information
Special Offer Information
The above Annual Percentage Rates (APR) for our special offers are compounded semi-annually, not in advance. Each APR calculation is based on a mortgage of $100,000 with a 25 year amortization and a $300 appraisal fee. The actual appraisal fee may vary. The mortgage must be advanced within 120 days from the date of application. These offers are subject to change and may be withdrawn at any time without notice. Variable interest rates will change automatically as Scotiabank's prime rate changes. Applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Other conditions may apply.
Interest rates are provided for information purposes only and are subject to change at any time without notice. All rates are calculated semi-annually, not in advance.
All mortgage applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts.