Switch to Scotiabank Program

Right for you if:

  • You want a hassle-free way to transfer your mortgage to Scotiabank

  • Apply Online


  • Switching your mortgage is easy. Once you provide us with your mortgage details, the Switch to Scotiabank Program takes care of the rest! We'll even cover your transfer or discharge fee!

  • Own a home, not a mortgage. Scotiabank provides mortgage tools and advice that can help you become mortgage-free faster and easier.

  • Take advantage of the Scotia Total Equity® PlanUnique to Scotiabank, the Scotia Total Equity® Plan can help you achieve your goals by making your home equity work for you. Mix and match products for a total of 80% of your home's value without having to requalify.

    • Mortgages: Borrow up to 80% of the value of your home and manage your interest rate risk by splitting your mortgage into 2 or 3 different types of mortgages and terms.
    • Other Products: Borrow up to a total of 65% of the value of your home and choose lines of credit or other secured Scotiabank borrowing products†† that best suit your needs.
  • Scotia Mortgage Protection can help make sure the home you worked so hard for is protected.

  • 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


    It's easy to achieve your goals.

    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.

    Try this tool, Mortgage-Free Faster Calculator
    What Can I Afford?

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

    Try this tool, What Can I Afford?
    Mortgage Calculator

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

    Try this tool, Mortgage Calculator
    STEP Calculator

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

    Try this tool, STEP Calculator
    Mortgage Selector

    Opening the door to homeownership.

    Try this tool, Mortgage Selector
    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.

    Try this tool, Mortgage Comparison Calculator

    Special Offer

    We are pleased to announce our Mortgage Switch Offer:
    Customers who switch their mortgage to Scotiabank will receive up to $1,200 to cover applicable switch fees.*

  • Minimum mortgage balance of $100,000.

  • Offer is valid for all closed fixed rate mortgages with a 3 year term or greater, and the closed variable rate mortgage with a 5 year term.

  • For more information, please contact a Home Financing Advisor near you.

    Ready to apply


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    1(877) 303-8879
    In Person

    See a Home Financing Advisor

    Find a Home Financing Advisor
    In Branch

    Make an appointment at your local branch

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    Get Pre-Approved

    Apply Today