Scotiabank Mortgage Rates
Compare current Scotiabank mortgage rates in Canada
Unlock your home's potential with the Scotia Total Equity Plan.
Best Scotiabank Rates
Lowest rates by product type
Rate Overview
Best rate for each term and product type
Fixed Rate Mortgages
Lock in your rate for the term of your mortgage
6 months
1 option1 year
1 option2 years
1 option3 years
1 option4 years
1 option5 years
1 option7 years
1 option10 years
1 optionVariable Rate Mortgages
Rates change with the prime rate
3 years
1 option5 years
1 optionAbout Scotiabank
Scotiabank stands out in the Canadian mortgage market with its innovative Scotia Total Equity Plan (STEP), allowing homeowners to combine a mortgage with a home equity line of credit and access up to 80% of their home's value. Scotiabank offers competitive fixed and variable mortgage rates, plus specialized products for newcomers, self-employed borrowers, and investors. Their eHOME platform enables a fully digital mortgage application experience, while Home Financing Advisors provide personalized support in-branch or virtually. Scotia Mortgage Protection offers optional insurance coverage for life, disability, critical illness, and job loss — giving homeowners peace of mind.
Mortgage Specialties
Unique Features
- STEP: access up to 80% home equity
- eHOME digital mortgage application
- Scotia Mortgage Protection insurance
- Preferred rates for bundled clients
Popular Cities
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