Choose the right mortgage with expert advice.

Our mortgage advisors show you mortgage solutions customized to your needs, so you can enjoy your home knowing you made the right decision.

What are your homeownership needs?

First-time homebuyers

Buying a home is one of the biggest purchases you'll ever make – and you want to do it right.

Buying another property

Want to buy a cottage near the lake? Condo in the city? Or maybe you want a rental property to invest in or fix up and flip. 

Mortgage Renewal

Renew today and lock into one of Scotiabank’s great rates.

Mortgage rates

There’s more to consider than just a great rate.

We can help with personalized advice, guidance and answers to questions you didn’t even know you had.

  • Open or closed mortgage?
  • Fixed or variable?
  • Prepayment options or a payment vacation?

Learn more about our posted rates

eHOME — the online mortgage hub

Get pre-approved in minutes, track your application status, and receive your mortgage approval online.

Discover our digital mortgage toolMore details

Helpful Mortgage Tools

Our easy-to-use mortgage tools can help you make an even more informed renewal decision. Here’s a sampling of what’s available to you.

Mortgage Calculator

See how much your mortgage payments can be to fit your budget.

Scotia Total Equity Plan Calculator

Calculate how much of your home equity you may be able to access.

Protect your biggest asset

Scotia Mortgage Protection Insurance

Protect your biggest financial investment by adding optional Scotia Mortgage Protection insurance on your new mortgage. Scotia Mortgage Protection offers four types of coverage to choose from.  It can help pay off your outstanding balance if you become critically ill or suddenly pass away, giving your family financial support. Or it can help to cover your regular mortgage payments, including property tax and interest if you’re unable to work due to a disability or job loss**. Calculate your estimated insurance premium in a few steps with our Mortgage Insurance Premium Calculator.

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What you need to know about the Canadian mortgage stress-test.

Canadian mortgage rules: What you should know

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

Mortgage FAQs

ScotiaAdvice+ Home-buying series

Breaking down the home buying process so you can make an informed decision.

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Buying a home Pt 1 - Here's how you get started.

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Buying a home Pt 2 - Figuring out how much home you can afford.

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Buying a home Pt 3 - Locking in your mortgage rate.

Let's get started


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. 

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