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Scotiabank rates today

Verified examples for owner-occupied BC mortgages. Your eligibility and lender conditions affect your quote.

Reference scenarios and rate conditions

Current catalogue examples for owner-occupied British Columbia 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 Oct 3, 2026, 4:03 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

4.90% · 5-year variable

Posted Variable · uninsured · maximum 25-year amortization

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

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

4.99% · 2-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 2 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

5.49% · 1-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 1 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

5.95% · 3-year variable

Posted Variable · uninsured · maximum 25-year amortization

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

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.05% · 3-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 3 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.09% · 0.5-year fixed

Posted Flexible Closed Fixed · uninsured · maximum 25-year amortization

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

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.09% · 4-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 4 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.19% · 5-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 5 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.40% · 7-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 7 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

6.80% · 10-year fixed

Posted Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted closed fixed mortgage rate; 10 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

7.65% · 5-year variable

Posted Open Variable · uninsured · maximum 25-year amortization

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

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

9.75% · 0.5-year fixed

Posted Open Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted open mortgage rate; 6 month.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

9.75% · 1-year fixed

Posted Open Fixed · uninsured · maximum 25-year amortization

Scotiabank public posted open mortgage rate; 1 year.

Public lender source checked .

Verification expires . Recheck before a decision.

Lender source and conditions

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