Scotiabank StartRight®
Mortgage Program for Permanent Residents*

Right for you if you have been a permanent resident in Canada for 5 years or less and you require a mortgage to help buy your first home in Canada.


  • Fixed or variable rates
    Get a 6-month, 1 to 5 year, 7 year or 10 year fixed rate term or a Scotia Flex Value® mortgage.
  • Conventional and insured financing available.


  • Choose from weekly, biweekly, semi-monthly, and monthly payment options.
  • Scotia Mortgage Protection can help make sure the home you worked so hard for is protected.
Visit StartRight Program for Newcomers for complete details on all of the program's services and products. 

Mortgage Rates

We understand that everyone's mortgage needs are different. Let us help you find a mortgage that's just right for you4.

Mortgage Tools


It's easy to achieve your goals.

Mortgage-Free Faster Calculator

Discover how small changes can have a big effect. This tool will show you how you can be mortgage-free faster.

What Can I Afford?

Find out how much, so you can arrange your mortgage and shop for a home with confidence.

Mortgage Payment Calculator
Determine your payment options, amortization and more, all with one calculator.
STEP Calculator
Learn how to save by using the equity in your home to borrow at lower interest rates.
Mortgage Selector
Opening the door to homeownership.
Mortgage Comparison Calculator
Use this calculator to compare two different mortgages and determine which feature or product is the most suitable to meet your needs.
By Phone

Language support in English and French

Available 24/7

In Person

See a Home Financing Advisor

In Branch

Make an appointment at your local branch


Get Pre-Approved

Mortgage Rates Information

Special Offer Information