If the Loan to Value ratio is greater than 75%, insurance is required through Genworth Financial Canada or Canada Mortgage and Housing Corporation. Down payment must come from applicant's own resources (i.e. not gifted). Commissioned sales applicants who are paid a salary plus commission are not eligible for this program.

Applicable to residential mortgages only and subject to Scotiabank lending criteria for residential properties. Some conditions apply. This offer can be changed or withdrawn at anytime without notice and may not be combined with other discounts, offers or promotions.

This offer is available for all qualified purchase, switch, refinance and renewal customers.