Tell us about your mortgage to lock in an exclusive switch offer valued up to $2,000!*

Life comes next.
Start with the Scotia Total Equity® Plan (STEP).

You can get a bonus valued at up to $2,000 when you switch your mortgage to our STEP.

To activate this offer, all we need from you is a few details about your current mortgage, including your maturity date and rate, and we will contact you when the time is right to unlock your benefits under the STEP.

Why switch your mortgage to a STEP?

STEP is an exclusive borrowing solution that provides the ultimate flexibility and control over your borrowing needs – now and for the future.

Step 1

Ultimate Borrowing Power
Secure your borrowing power for the future. As you pay down your mortgage, the equity in your home continues to grow. You can borrow up to 80% of your home equity so you're ready for what comes next in life.

Step 1

Your Equity, Your Choice
Use your home equity whenever, however you need it. Consolidate debt, upgrade your family car, invest in a new property, or simply prepare for the unexpected. Choose from a broad range of borrowing products under STEP — the possibilities are endless.

Not ready to switch your mortgage yet?

No problem! We’re ready when you are. Once we have your mortgage details, we’ll contact you closer to your maturity date. It will take less than 2 minutes!

Here are some helpful links

STEP Calculator

Find out how you can unlock the equity in your home to achieve the goals that you have, now and in the future!

Scotiabank mortgages

Find out more about the different options available to you based on your homeownership needs.

Helpful advice by appointment

Our mortgage Advisors customize mortgage solutions  to your needs, so you can enjoy your home knowing you made the right decision.