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Lender rate guide

Scotiabank
mortgage rates.

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

13 of 13 reference offers

5-year variableUninsuredUp to 25-year amortization4.90%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 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 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 variableUninsuredUp to 25-year amortization5.95%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

3-year 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 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 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 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

7-year 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 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 variableUninsuredUp to 25-year amortization7.65%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 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 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

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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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