Scotiabank StartRight® 

Mortgage Program for Temporary Residents 

This program may be impacted by the Prohibition on the Purchase of Residential Property by Non-Canadians Act.

Right for you if:

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


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. 


Conventional and insured financing available.‡ 

Payment choice 

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 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


Mortgage Calculator 

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


What Can I Afford? 

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


STEP Calculator 

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

Plan today for a secure tomorrow


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


STEP Selector 

Opening the door to homeownership.   

Prepayment calculator

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

Ready to apply? 


Apply Online

Get Pre-Approved 


In Person

See a Home Financing Advisor 


In Branch 

Make an appointment at your local branch


By Phone

Mon-Fri (9am-8pm)