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

Unlock your home equity with STEP. Qualify once to access funds for what you need, when you need them.

Unlock all the possibilities with the Scotia Total Equity Plan (STEP).

One easy application.

Apply just once.  Then enjoy the ease and convenience of using your home equity for the 11 products available within 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. The possibilities are endless.

It’s peace of mind.

Secure your borrowing power for the future. You can borrow up to 80% of your home equity so you’re ready for what comes next in your life.

You’re in control.

Mix and match mortgages, lines of credit, loans and credit cards to create a plan that works for you.

Key benefits of the STEP

How the Scotia Total Equity Plan works.

  • Secure your global borrowing limit with at least 20% equity in your home.
  • Apply just once. Choose from products available with STEP.
  • Borrow up to 80% of the value of your home with up to 3 mortgage products.
  • Borrow up to 65% of the value of your home with lines of credit and other secured borrowing solutions.
  • Customize your credit options to find a solution that works best for you.
  • Consolidate debt and lower your portfolio interest rate and monthly payments.
  • Protect your home and equity with Scotia Mortgage Protection.

With STEP, you’re ready for what comes next.

Whether it’s your child’s education, a new property, consolidating debt, or simply prepare for the unexpected. STEP helps you access your equity for what you need, when you need it. 

New home, vacation or investment property


New vehicle

Consolidate debt

Retirement savings

Rainy day fund


Additional needs or desires

Loans and Lines

Consolidate your debt with a lower interest option, including lower monthly payments.

ScotiaLine® Personal Line of Credit

Scotia Plan® Personal Loans

Credit Line for Business™

Term Loan for Business™


Choose up to three mortgages to create a solution for your short or long term goals. Pick from fixed or variable rates with long or short terms.

Fixed Rate Mortgages

Variable Rate Mortgages

Long and Short® Mortgage

Credit Cards

Need more credit? The STEP can help with borrowing, including business and personal credit cards.

Personal Credit Cards

ScotiaLine for Business VISA* Card

ScotiaGold Passport for business VISA* Card

Overdraft Protection

Plan for unexpected expenses. Add Overdraft Protection to your STEP.

Overdraft Protection

Discover how you can take the next STEP.

Make an appointment with a Home Financing Advisor

Talk to a Home Financing Advisor by phone or at a location of your choice.

Apply online with eHOME

You can be pre-approved, search for a home and get mortgage approval all in one place, all online.

Visit an Advisor at your branch

Talk to a Scotiabank Advisor in branch to learn more about the STEP.

Learn more about how STEP can work for you.

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Small changes, big difference

Borrow to get ahead with STEP.

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The STEP Calculator

See how you can unlock your borrowing potential with the STEP Calculator.

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Be a STEP ahead

Learn how you can use your home equity to reach goals sooner.

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Tips for Homebuying Success

Be ready to seize the moment when you spot the perfect house.

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Purchasing an Investment Property

Learn how STEP can work to help you meet your financial goals.

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Switching Your Mortgage to Scotiabank

Is it time to renew your mortgage? Switch to Scotiabank’s STEP.