Scotiabank StartRight® 

Mortgage Program for Temporary Residents 

Right for you if:

  • You want to buy a home while staying in Canada† 
  • You want as many mortgage options as possible 

Overview 

Fixed or Variable rates 

Choose from fixed rate terms as low as 6 months and as long as 10 years, and Scotia Flex Value® closed mortgage. 

Financing  

Conventional and insured financing available.‡ 

Payment choice 

Choose from weekly, biweekly, semi-monthly, and monthly payment options.   

Insurance  

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 offered to temporary non-residents.

Mortgage Rates

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

Variable Rate Mortgages

Mortgage tools

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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. 

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What Can I Afford? 

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

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Mortgage Calculator 

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

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STEP Calculator 

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

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STEP Selector 

Opening the door to homeownership.   

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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.   

Ready to apply? 

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Apply Online

Get Pre-Approved 

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In Person

See a Home Financing Advisor 

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In Branch 

Make an appointment at your local branch

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By Phone

Mon-Fri (9am-8pm)