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.

Based on your selections

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.

Switch to Scotiabank

Simplify your finances. Switch your mortgage to Scotiabank, hassle-free.

Scotia Total Equity® Plan (STEP)

Use our Scotia Total Equity Plan to help leverage up to 80% of the value of your home and choose from a broad range of Scotiabank products.

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.

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.

More details Discover our digital mortgage tool

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

Find out what your mortgage payments will be, so you can budget for success.

Scotia Total Equity® Plan (STEP) Calculator

Learn how to save on interest by using the equity in your home to borrow at lower interest rates.

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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Recent news

What is the Canadian mortgage stress test?

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.

Special Offer

Earn a $350 welcome bonus with a new Preferred Package or Ultimate Package1.

Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed Scotiabank eligible mortgage2.

Ultimate Package Offer Get Offer

Ready to apply?

Make an appointment with a Home Financing Advisor

Talk to a Home Financing Advisor on the phone or at a location of your choice.

Apply online with eHOME

You can be pre-approved, search for a home, and get a mortgage all in one place with Scotiabank’s online mortgage application process.

Visit an advisor at your branch


Talk to a Scotiabank Financial Advisor at one of our branches to learn more about STEP and Scotia Mortgage Protection.