Scotiabank StartRight® Mortgage Program for Permanent Residents*

  • You have been a permanent resident in Canada for 3 years or less

  • You require a mortgage to help buy your first home in Canada

  • Overview

  • 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.

  • PLUS:

  • 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.

    Try this tool, Mortgage-Free Faster Calculator
    What Can I Afford?

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

    Try this tool, What Can I Afford?
    Mortgage Payment Calculator

    Determine your payment options, amortization and more, all with one calculator.

    Try this tool, Mortgage Payment Calculator
    STEP Calculator

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

    Try this tool, STEP Calculator
    Mortgage Selector

    Opening the door to homeownership.

    Try this tool, Mortgage Selector
    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.

    Try this tool, Mortgage Comparison Calculator

    Ready to apply

    By Phone

    Language support in English and French

    Available 24/7

    1(877) 303-8879
    In Person

    See a Home Financing Advisor

    Find a Home Financing Advisor
    In Branch

    Make an appointment at your local branch

    Find a Local Branch

    Get Pre-Approved

    Apply Today

    Mortgage Rates Information

    Special Offer Information