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Before tackling renos to lower your carbon footprint (and your energy bills), look at possible financing options and government incentives.
Time to renew your mortgage?
Renew today and lock into one of
Scotiabank’s great rates.
If your mortgage is coming up for renewal, Scotiabank offers flexible ways to renew your mortgage when, where and how you want.
Reasons to renew your mortgage with Scotiabank
You’ll enjoy home ownership even more knowing you have the mortgage that’s right for you and your family. Take a look at all that a Scotiabank mortgage offers:
Friendly, Helpful Advisors
It’s important to pay off the debt that has the higher interest rate first and establish a time frame to pay off your debt. This will reduce the overall interest that you will pay to service your debt.
Flexible Payment Options
Our goal is to help you pay off your mortgage sooner and save thousands of dollars in interest along the way.
The Scotia Total Equity® Plan
Unique to Scotiabank, the Scotia Total Equity Plan (STEP) can help you achieve your financial goals by leveraging the equity in your home.
Not yet registered for online banking?
Go to Scotiabank.com, click on the “Activate Now” link at the top right of the page, and follow the prompts.
*Some exclusions apply.
Helpful Mortgage Tools
Our easy-to-use mortgage tools can help you make an even more informed renewal decision. Here’s a sampling of what’s available to you.
Mortgage Calculator
See how much your mortgage payments can be to fit your budget.
Scotia Total Equity Plan Calculator
Calculate how much of your home equity you may be able to access.
Mortgage Prepayment Calculator
Find out what your mortgage prerepayment charge will be, so you can be mortgage-free faster.
Scotia Mortgage Protection
Protect your biggest financial investment by adding optional Scotia Mortgage Protection insurance at any point during your mortgage term. Scotia Mortgage Protection offers four coverage options that can either help pay off your mortgage, or keep up with your payments, as a result of certain unexpected life events.
More on Mortgages
The more you know about mortgages and home ownership the better. Help yourself to a wealth of easy to read articles
Financing Your Home Renovations
Since your home is likely your most important asset, renovations can be a great way to increase your property value and also make daily living more comfortable.
Own a home not a mortgage
It's natural to look forward to the day when you have made your very last mortgage payment and own your home outright.
Special Offer
Earn a $350 welcome bonus with a new Preferred Package or Ultimate Package1.
Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed Scotiabank eligible mortgage2.
A Home Financing Advisor gives you comprehensive mortgage advice.
eHOME
The online mortgage hub
Get pre-approved in minutes, track your application status, and receive your mortgage approval online.
Learn the basics today with our step-by-step guide to home-buying from Advice+
Related articles
What you should know before investing in real estate together.
More information that may interest you
Forms
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.