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Life comes next. Start with the Scotia Total Equity Plan® (STEP).
Unlock your home equity with STEP. Qualify once to access funds for what you need, when you need them.
STEP offers loans and lines to get you ready for what’s next.
Get a flexible line of credit up to 65% of the value of your home to use whenever, however you need.1
Education
New vehicle
Retirement savings
Rainy day fund
Renovation
Consolidate debt
Loans and Lines of Credit that can be used with STEP
ScotiaLine® Personal Line of Credit
With STEP, you can access money whenever you need it with a flexible personal line of credit.
Scotia Plan® Personal Loans
Use your loan for anything you need. Then, choose a payment plan that works for you.
Credit Line for BusinessTM
STEP lets you use your line of credit to help with business expenses, big or small.
Term Loan for BusinessTM
Get access to cash, and financing for recent purchases, with competitive fixed or floating interest rates.
Discover how you can take the next STEP.
Make an appointment with a Home Financing Advisor
Talk to a Home Financing Advisor by phone or at a location of your choice.
Apply online with eHOME
You can be pre-approved, search for a home and get mortgage approval all in one place, all online.
Visit an Advisor at your branch
Talk to a Scotiabank Advisor in branch to learn more about the STEP.
Learn more about how STEP can work for you.
Small changes, big difference
Borrow to get ahead with STEP.
The STEP Calculator
See how you can unlock your borrowing potential with the STEP Calculator.
Be a STEP ahead
Learn how you can use your home equity to reach goals sooner.
Tips for Homebuying Success
Be ready to seize the moment when you spot the perfect house.
Purchasing an Investment Property
Learn how STEP can work to help you meet your financial goals.
Switching Your Mortgage to Scotiabank
Is it time to renew your mortgage? Switch to Scotiabank’s STEP.