Scotiabank StartRight® Mortgage Program for Permanent Residents*

Right for you if:

  • You have been a permanent resident in Canada for 3 years or less
  • You require a mortgage to help buy your first home in Canada
  • Fixed or variable ratesGet a 6-month, 1 to 5 year, 7 year or 10 year fixed rate term or a Scotia Flex Value® mortgage.
  • Conventional and insured financing available.


  • 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.

Visit StartRight Program for Newcomers for complete details on all of the program's services and products.

Tools It's easy to achieve your goals.

Mortgage-Free Faster Calculator

Discover how small changes can have a big effect. This tool will show you how you can be mortgage-free faster.

Try This Tool

What Can I Afford?

Find out how much, so you can arrange your mortgage and shop for a home with confidence.

Try This Tool

Mortgage Payment Calculator

Determine your payment options, amortization and more, all with one calculator.

Try This Tool

STEP Calculator

Learn how to save by using the equity in your home to borrow at lower interest rates.

Try This Tool

Mortgage Selector

Opening the door to homeownership.

Try This Tool

Mortgage Comparison Calculator

Use this calculator to compare two different mortgages and determine which feature or product is the most suitable to meet your needs.

Try This Tool

Ready to apply

image of a red maple leaf

We can help you start right in Canada

We would like to stay in touch and provide you with valuable information about moving to Canada.

Let us contact you