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


New vehicle

Retirement savings

Rainy day fund


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.

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Small changes, big difference

Borrow to get ahead with STEP.

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The STEP Calculator

See how you can unlock your borrowing potential with the STEP Calculator.

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Be a STEP ahead

Learn how you can use your home equity to reach goals sooner.

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Tips for Homebuying Success

Be ready to seize the moment when you spot the perfect house.

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Purchasing an Investment Property

Learn how STEP can work to help you meet your financial goals.

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Switching Your Mortgage to Scotiabank

Is it time to renew your mortgage? Switch to Scotiabank’s STEP.