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.

More details Discover our digital mortgage tool

Learn the basics today with our step-by-step guide to home-buying from Advice+

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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.

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