Switch to Scotiabank program1

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

Special Offer

Switch your mortgage to Scotiabank® and get up to $1,200 to cover your switch fees.2

Speak to a Mortgage Specialist

Overview

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. Unique 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.3

  • 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 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 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.

Mortgage Calculator

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

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 comparison calculator

Use this calculator to compare two different mortgages and determine which feature or product is the most suitable to meet your needs.

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 eHOME4

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

Ready to apply

By phone

Mon-Fri (9am-8pm)

Online

Switch your mortgage using eHOME