Offers and special 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

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


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.


Podcast: Tips for Having a Home Inspected [16.0mb]

Mortgage Calculator

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

Prepayment calculator

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

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.