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A home for your firsts
Grow in a space of your own with a Scotiabank mortgage
Competitive rates
Flexible loan terms
No payments for up to 2 months*
*
Conditions apply
Start your mortgage journey here
Buying a home is one of the biggest purchases you'll ever make – and you want to do it right.
Whether you're buying your first house, upgrading, or investing, our mortgage solutions are designed to guide you every step of the way — with clarity, care, and confidence.
What you get with this mortgage
- Low down payment — As little as 5% down*
- Flexible repayment — Up to 30 years payback
- Pay off faster — Make extra payments without penalties
- Easy payments — Automatic withdrawals from your account
- Flexible schedule — Choose bi‑weekly payments (every 14 days)
- Added protection — Optional credit life insurance available
Your home buying journey, step by step
Explore our step-by-step guides to securing your home with ease
PHASE 1:
Pre-Qualification
- Initial consultation
Speak with a Loans Officer to assess your eligibility.
- Pre-qualification letter
Use this to begin house hunting with confidence.
PHASE 2: Application submission
- Document collection
Submit proof of income, ID, and property details. - Processing begins
- Valuation report (Bank requested)
- Surveyor’s report (Client requested)
- Verification & adjudication
→ Final Approval
PHASE 3:
Legal preparation
- Legal document drafting
- Signing appointment
- Funding preparation
- Letter of undertaking
Sent to vendor’s Lawyer outlining disbursement terms.
PHASE 4:
Finalization & disbursement
- Title transfer & bank interest
Vendor’s attorney submits documents to National Land Agency.
- Loan disbursement
You become the proud owner of your new home!
Learn more about the mortgage process
Consider credit protection for your home
Apply now
Protect your home and your future
Credit Protection for residential mortgages protects your family from having to change the way they live at a time when they need comfort and stability the most.