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Home Buyers Guide [PDF: 818 kb]
Home Affordability Worksheet [PDF: 651 kb]

Introducing Scotiabank's Variable Flex Mortgage†.

Be in control

Whether you're a first time buyer or refinancing to access equity, a Scotiabank Variable Flex Mortgage gives you more control over your interest rates and payments, making home ownership more affordable.

Free to choose

A Scotiabank Variable Flex Mortgage combines the flexibility of a variable interest rate, the benefit of low monthly payments and the freedom to switch to a fixed rate mortgage at anniversary, with no penalties.

With a Scotiabank Variable Flex Rate loan,
there's nothing like the home you own.

  • Lower rates
  • Rate lock guarantee for 1 year
  • Flexibility to switch to fixed rate options

*The EIR example illustrated above is based on a mortgage amount of $150,000 and a term of 360 months. Terms and conditions