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Lender rate guide

Scotiabank
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

13 of 13 reference offers

5-year variablePosted VariableUninsuredUp to 25-year amortization5.15%APRDetails
Product
Posted Variable
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted variable mortgage rate; Scotia Flex Value Mortgage; 5 year closed term.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedPosted FixedUninsuredUp to 25-year amortization5.24%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 2 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedPosted FixedUninsuredUp to 25-year amortization5.49%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 1 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedPosted FixedUninsuredUp to 25-year amortization6.05%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 3 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedPosted Flexible Closed FixedUninsuredUp to 25-year amortization6.09%APRDetails
Product
Posted Flexible Closed Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted flexible/closed mortgage rate; 6 month.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedPosted FixedUninsuredUp to 25-year amortization6.09%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 4 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedPosted FixedUninsuredUp to 25-year amortization6.19%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 5 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year variablePosted VariableUninsuredUp to 25-year amortization6.20%APRDetails
Product
Posted Variable
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted variable mortgage rate; Scotia Ultimate Variable Rate Mortgage; 3 year closed term.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedPosted FixedUninsuredUp to 25-year amortization6.40%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 7 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedPosted FixedUninsuredUp to 25-year amortization6.80%APRDetails
Product
Posted Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted closed fixed mortgage rate; 10 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variablePosted Open VariableUninsuredUp to 25-year amortization7.90%APRDetails
Product
Posted Open Variable
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted variable mortgage rate; Scotia Flex Value Mortgage; 5 year open term.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedPosted Open FixedUninsuredUp to 25-year amortization9.75%APRDetails
Product
Posted Open Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted open mortgage rate; 6 month.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedPosted Open FixedUninsuredUp to 25-year amortization9.75%APRDetails
Product
Posted Open Fixed
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Scotiabank public posted open mortgage rate; 1 year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Mortgage term vs equity-access plan

Scotiabank publishes mortgage rates alongside borrowing options such as its Scotia Total Equity Plan. The price of a mortgage portion and a separate secured credit facility should be compared individually.

Match posted or special pricing, the mortgage term and any linked borrowing. Ask about discharge, prepayment and portability costs if you may change lenders or move.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Can I compare a Scotia mortgage rate with the cost of the whole equity plan?

Only after identifying the balance, rate and repayment terms of each part. A single mortgage rate does not describe the total cost of multiple borrowing components.

How do I check which Scotiabank rates fit my mortgage?

Use the shopper with Scotiabank selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

All lenders →

Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

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About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

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