Wealth Lending

Learn more about Scotia Wealth Management

Borrowing can be strategic

Just as businesses use credit to grow shareholder wealth, individuals may also benefit from a similar approach to building personal wealth. It's important to discuss any such strategy with your advisors to ensure it aligns with your long-term goals and personal circumstances.

_{Everyday Banking Lending}

Use your exclusive credit card for daily purchases, manage your cash flow with a line of credit, or finance the purchase of a new property with a bespoke Private Banking mortgage

Credit Cards
Line of Credit (LoC)
Mortgage and automobile financing

_{Investment Lending}

Leverage your investment portfolio and/or properties as collateral to access financing for investment or other purposes

Pledge loans
Deposit revolving credit
Borrow to invest with liquid collateral
Pledge real estate

_{Specialty Lending}

Leverage or purchase specialty and luxury assets

Income property lending

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Certain conditions apply.

Scotiabank will waive the international ABM Access Fee and Global ATM Alliance members will waive any terminal convenience or usage fees for any withdrawal from ATM machines using your ScotiaCard.

See the Application Disclosure Statement for the Scotia Wealth Management AAdvantage MasterCard Black Card for full details.

® Registered trademark of The Bank of Nova Scotia, used under licence. TM Trademark of The Bank of Nova Scotia, used under licence. Scotia Wealth ManagementTM consists of a range of financial services provided by the Scotiabank Group of companies (Scotiabank®) that provide private client services.

The information contained herein is for information purposes only and is not guaranteed by The Bank of Nova Scotia or any of its subsidiaries. Always consult your professional advisors with respect to your particular circumstances. Nothing herein is intended to constitute an offer of solicitation to transact business for either products or services in any jurisdiction where such an offer or solicitation would be unlawful. Products and services described herein are only available in jurisdictions where they can be lawfully provided.

The list of services described in this brochure is a general description of services that may be available to you through your local Scotia Wealth Management office, or by a Scotiabank partner to which you may be referred. In certain jurisdictions, certain services may not be offered based on availability and/or restrictions under applicable local laws. Accordingly, speak with your Relationship Manager to understand those services that are available and permitted to be offered to you.

Important information concerning the investment goals, risks, charges and expenses of investing in mutual funds is contained in the relevant prospectus. Investors should carefully consider these before investing. Copies are available from the financial institution where you are buying the fund and should be read before investing. Commissions, management fees and expenses all may be associated with investing in mutual funds. Mutual funds are not guaranteed or covered by your local deposit insurance corporation, other government deposit insurer, The Bank of Nova Scotia, or its subsidiaries/affiliates, their values change frequently, and you may not get back the original amount you invested. The foregoing is for informational purposes only and is subject to change without notice. Always consult your professional tax and legal advisors with respect to your particular circumstances. Nothing herein is intended to constitute an offer or solicitation to transact business for products or services in any jurisdiction where such an offer or solicitation would be unlawful. This does not constitute an invitation to purchase or sell shares of the Funds.

All offers herein are subject to availability and restrictions may apply. This offer is effective as of January 2019 and is subject to change. The Bank of Nova Scotia may amend, change or withdraw the Private Banking package (including changing what the service offers) at any time.