Fit in a mortgage when it’s convenient for you.


Flexible mortgage solutions for physicians

The Scotiabank Healthcare+ Physician Banking Program has flexible mortgage solutions designed for your busy schedule. Our Home Financing Advisors provide customized mortgage solutions to meet your unique needs, helping you get a mortgage on your terms.

Scotia Total Equity Plan® (STEP)

Our Scotia Total Equity Plan® mortgage lets you borrow against the value of your home. You only need to apply once to unlock credit for your dreams tomorrow.

Flexible mortgage solutions

Early career physicians can quality for a mortgage based on estimated projected income1, giving you more options when buying a home.

Scotiabank eHOME

Completely digital mortgage experience. Now you can be pre-approved, search for a home and get mortgage approval all in one place, all online.

Mortgage payment calculator 

Find out what your mortgage payments will be, so you can ensure it fits your budget.

Scotia Total Equity Plan Calculator 

Use the Scotia Total Equity Plan to tap into your home equity. 


Physicians, looking to purchase an investment property?

For physicians, buying a second home is a common way to invest. If you’re thinking about this, here’s some things to consider when making this decision.

Your Mortgage Options

Term vs. amortization? Fixed vs. variable? Learn the definitions for key mortgage terms.

Types of Home Insurance

Learn the difference between homeowner insurance, mortgage default insurance and creditor insurance.

Ready to talk?

Make an appointment with a Home Financing Advisor

Talk to a Home Financing Advisor by phone or at a location of your choice.

Visit an Advisor at your branch

Talk to a Scotiabank Advisor in branch to learn more about the STEP.