Special Offers and Programs

Find a mortgage solution that helps you meet your goals. We understand that everyone's mortgage needs are different.
That’s why Scotiabank offers a variety of mortgage solutions to suit your needs.

Special Offer

Unlock a preferred mortgage rate with the Scotia Mortgage+ Program.

Offer details

Special offers

Earn Scene+ points with Home Hardware Beaver Homes & Cottages


Build your dream home or cottage with the Home Hardware Beaver Homes & Cottages program. A Scotiabank® Progress Draw Construction Mortgage will help you finance your construction with an 18-month variable rate closed term mortgage with interest only payments.+


After construction, renew your Progress Draw Construction Mortgage and earn 2,000 bonus Scene+ TM points for every $10,000 renewed.

Scotiabank Rewards Mortgage

Earn 1,000 bonus Scene+TM points for every $10,000 advanced on a Scotiabank Rewards Mortgage with an eligible Scotiabank credit card.1


Then, redeem your points for travel, groceries, dining, entertaining, and much more. 

Preferred or Ultimate Package

Earn up to $400 with a Scotiabank banking package and an investment plan.2


Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed  Scotiabank eligible mortgage.3

Switch to Scotiabank

Switch your mortgage to Scotiabank and get up to $1,200 to cover your switch fees.4 

Special programs

The Long and Short® Mortgage

Trying to decide between short-term rates and more secure long-term borrowing options? Here's a mortgage for you.

Scotiabank StartRight® for temporary residents

If you are working and living in Canada temporarily, we can help you feel at home faster

Scotiabank StartRight® for permanent residents

A specially designed program to meet your mortgage needs and help you in obtaining your first home in Canada.

House with orange background
Unlock access to a preferred mortgage rate

The Scotia Mortgage+ Program is a banking bundle that includes your mortgage, everyday banking, investing needs, insurance, and more.

Moving to Canada?


Scotiabank has a variety of options for newcomers. Learn the basics so you can call Canada "home" sooner.

Suggested tools

Unlock your equity with STEP

Use the Scotia Total Equity Plan to tap into your home equity. You’ll save with lower rates and get the funds you need to reach your goals.

Mortgage calculator

Find out what your mortgage payments will be, so you can ensure your mortgage fits your budget.

Prepayment calculator

Find out what your mortgage prerepayment charge will be, so you can be mortgage-free faster.

Plan today for a secure tomorrow


Maintain the home and lifestyle you’ve worked hard to build.

Related articles

Contact us

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.