Banking 101 – Mortgages

A mortgage is a loan from a bank or alternate lender that helps you buy property, like a house, a condo, or a commercial building. Feel at home with the mortgage that’s right for you.

Find out how to get the mortgage that works best for you.

Feel right at home with the right mortgage.

Ready to apply or a have a few more questions? Here’s how you can get the right advice on buying a new home or simply get started online.

Start your mortgage

Did you know…

Over 90% of Canadians aged 18-34 believe that housing prices will continue to increase over the next 12 months.*

Did you know…

One in three Canadians say they’re looking to move out of major cities to find affordable housing.

Useful tools


Get personal Advice from a Scotia Home Financing Advisor

Get advice that delivers a solution customized to your needs by meeting with a Home Financing Advisor wherever is convenient for you.


Apply online for a mortgage

Get pre-approved for a mortgage, search for a home, calculate what you can afford, and get a mortgage approval all in one place, all online. 


Looking to buy?


The Scotia Total Equity® Plan (STEP) is a flexible borrowing plan tied to the equity in your home. Sign up for STEP as part of your mortgage process and unlock future borrowing power all with one easy application.

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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