Switch to Scotiabank program1

Right for you if you want a hassle-free way to transfer your mortgage to Scotiabank

Special Offer

Unlock a preferred mortgage rate with the Scotia Mortgage+ Program.

Offer details


Switching your mortgage is easy. Once you provide us with your mortgage details, you can take advantage of our limited time offers and customize your terms under the Switch to Scotiabank Program! 

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® Plan (STEP). Unique to Scotiabank, the STEP can help you achieve your goals by making your home equity work for you. Mix and match different Scotiabank credit products based on your needs. STEP can be initially set up with a borrowing limit of up to 80% of your home's value, including up to 65% for line of credit products.

  • Mortgages: Manage your interest rate risk by splitting your mortgage into 2 or 3 different types of mortgages and terms
  • ScotiaLine Personal Line of Credit:  Take advantage of your available home equity by including a ScotiaLine under your STEP. For the ultimate convenience, set up the STEP Automatic Limit Increase feature and automatically increase the credit limit of your ScotiaLine as you pay down the principal of your mortgage. 4

Scotia Mortgage Protection can help make sure the home you worked so hard for is protected.


Open an account that goes beyond the everyday. Find out how our banking packages can reward you.

Plus, pay no monthly account fees for up to a year by setting recurring payments to a new or renewed Scotiabank eligible mortgage6.


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.

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.

Mortgage Selector

Opening the door to homeownership.

Mortgage calculator

Find out what your mortgage payments will be, so you can ensure your mortgage fits your budget.

Prepayment calculator

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

Special Offer

We are pleased to announce our Mortgage Switch Offers:

Apply with one of our Home Financing Advisors today and get up to $1,200 towards your applicable switch fees.2

  • 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.

Now you can switch your mortgage to Scotiabank online through eHOME5

Customers who switch their mortgage online will receive preferred mortgage rates and save up to $300 in appraisal fees. In addition to covering your appraisal fee, receive $500 cashback to help cover your switch costs.

  • Minimum mortgage balance of $100,000.
  • Offer is valid for all closed fixed rate mortgages with a 2, 3, 4, 5 year term, and the closed variable rate mortgage with a 5 year term.
  • Online applications only eligible for a home that you will live in (Rental properties are not eligible).
  • eHOME switch and this eHome switch offer is not available in Quebec. 

If you are ready to switch now you can start your application online through eHOME.

Make an appointment at your local branch

Contact us

Advisor icon

Make an appointment with a Home Financing Advisor

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

Mobile and laptop icon

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.

Scotiabank branch icon

Visit an advisor at your branch

Talk to a Scotiabank Financial Advisor at one of our branches to learn more about our mortgage solutions.