Banking 101 – Borrowing

Bank loans and lines of credit can be used to make important purchases, manage home improvements, or even start a business. Conveniently, you can pay the money you owe back in instalments that work for you over time.

Find out more about the different types of loans available to you.

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What is the Canadian mortgage stress test?

What you need to know about the Canadian mortgage stress-test.
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How do mortgages work? Everything you need to know

Whether you're a first-time home buyer or thinking about purchasing an additional property, we break down what you should know about mortgages.
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Canadian mortgage rules: What you should know 

What are the main mortgage rules in Canada? Our guide to what you should know before you get your next home.

Did you know…

Consumer debt is now over $2.32 trillion in Canada. Canadians are borrowing more money than ever.*

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Student banking 101: Guide to student financing in Canada

Here's everything you need to know about how to fund your post-secondary education as a Canadian student.
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Budgeting for home renovations

Tips on how you can make renovations work for your budget.
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How to help your child pay for post-secondary: A guide to student finance 

Help your child financially prepare for their post-secondary journey with our parent's guide to student finance.
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Manage your budget for unexpected expenses

No matter how much of a planner you are, unexpected expenses will pop up. Here’s how to budget for them.
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Should you buy a house with a friend?

What you should know before investing in real estate together.

Did you know…

Nearly three in four Canadians reported that rising prices are affecting their ability to meet day-to-day expenses. Budgeting can help you stay on track.**

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Useful tools

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Finding a loan that works for you

Our personal loan calculator can help you estimate the payment options that best suit your financial needs.

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Looking for a card that’s right for you?

Take the guesswork out of choosing a credit or debit card. Use our tool to pick the type of reward or benefit that you’re most interested in.

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How much do you need to finance a car?


Try our auto loan calculator for an estimate of what you need to finance your next vehicle.

Let’s have a conversation

A good financial plan can help you accomplish your short and long-term financial goals. A simple chat with our Scotia advisors will get you on the right track.

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