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Before tackling renos to lower your carbon footprint (and your energy bills), look at possible financing options and government incentives.
Mortgage rates
Great rates are just the start
There’s more to consider than just a great rate.
- Open or closed mortgage?
- Fixed or variable?
- Prepayment options or a payment vacation?
We can help with personalized advice, guidance and answers to questions you didn’t even know you had.
Learn more about our posted rates
Variable Rate Mortgages
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.
A Home Financing Advisor gives you comprehensive mortgage advice.
eHOME
The online mortgage hub
Get pre-approved in minutes, track your application status, and receive your mortgage approval online.
Learn the basics today with our step-by-step guide to home-buying from Advice+
Related articles
What you should know before investing in real estate together.
More information that may interest you
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.
Special Offer Information
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APR 8.03%
2
APR 7.11%
3
APR 9.86%
The above Annual Percentage Rates (APR) for our special offers are compounded semi-annually, not in advance. Each APR calculation is based on a mortgage of $100,000 with a 25 year amortization and a $300 appraisal fee. The actual appraisal fee may vary. The mortgage must be advanced within 120 days from the date of application. These offers are subject to change and may be withdrawn at any time without notice. Variable interest rates will change automatically as Scotiabank's prime rate changes. Applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Other conditions may apply.
5
Interest rates are provided for information purposes only and are subject to change at any time without notice. All rates are calculated semi-annually, not in advance.
All mortgage applications are subject to meeting Scotiabank's standard credit criteria, residential mortgage standards and maximum permitted loan amounts.