Variable rate mortgages

Consider a variable rate mortgage

Need help choosing the right mortgage?

Book an appointment with a Home Financial Advisor to find a closed or open term variable rate mortgage for a mortgage solution that fits your needs.

Book an appointment

Based on your selections

Suggested tools

Unlock your equity with STEP

Use the Scotia Total Equity Plan to tap into your home equity. You’ll save with lower rates and get the funds you need to reach your goals.

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.

Plan today for a secure tomorrow. 

Maintain the home and lifestyle you’ve worked hard to build.

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eHOME
The online mortgage hub


Get pre-approved in minutes, track your application status, and receive your mortgage approval online.

More details Discover our digital mortgage tool

Frequently asked questions

Contact us

Make an appointment with a Home Financing Advisor

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

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.

Visit an advisor at your branch


Talk to a Scotiabank Financial Advisor at one of our branches to learn more about STEP and Scotia Mortgage Protection.