Scotia Bank Mortgage Rates
Scotia Bank Mortgage Products Available with Xperto
Property purchase - Rental property or condo
Mortgage renewal
Refinancing (e.g., renovations, project, debts)
Mortgage insurance (disability, death, job loss)
FlexValue Loans (open, closed, capped)
Scotia Total Equity Plan (STEP), also known as Scotia Integrated Credit (CIS) in French.
Split-Rate Mortgage (a mix of fixed and variable rates)
Solutions for everything
Why go through Xperto rather than directly with Scotia Bank?
Simple - Fast - Efficient
Steps for a mortgage pre-approval with National Bank of Canada
First Step
Your Profile Analysis with an Xperto Broker
Second Step
File preparation and product choice
Third Step
Submission to the eHOME portal or the bank - Rate lock for up to 120 days.
Fourth Step
Approval and electronic or in-branch signature
Our Advantages
Why go through Xperto rather than directly with Scotiabank?
No pressure
Free Service
One for All
Time Saver
Comparison of Scotiabank Mortgage Rates (2025)
| Term | Scotiabank Posted Rate | Rate negotiated with Xperto |
|---|---|---|
| 5-year fixed rate | 5.44% | up to 4.99% |
| 5-year variable rate | 6.25% | up to 5.79% |
| 3-year fixed rate | 5.24% | up to 5.05% |
*Rates may vary depending on your profile. Contact us for a free simulation.
Each has its own advantage
Fixed rate or variable rate
What to choose with Scotiabank?
Our brokers advise you based on your priorities: stability, potential savings, or flexibility.
Fixed rate
Variable rate
We guide you at every step
Documents required to start an application
All these papers can be overwhelming… but not with us.
With Xperto, every step is explained, simplified, and above all, handled with you.
Identification document
Purchase offer or property details
Proof of income (pay stubs, tax assessment notices)
Down payment (bank statements)
Property tax statements
Leases (if rental property)
Investment statements (if applicable)
Credit report (we can review it for you)
What our clients say
Professional, devoted and always here for you, this is in breef my experience with Xperto Mr.Antoine feghali and Mme Bahaa Bou Aboud, keep up the good work guys!
Great collaboration with Domenico. My case wasn’t the easiest, but Domenico was able to find a solution! My family and I thank you again for allowing us to purchase our duplex! 100% recommended!
I would like to express my great satisfaction with our Mortgage Broker, Antoine Geha. He offered us the best mortgage options tailored to our situation. I truly appreciate his clear and transparent communication throughout the process, his negotiation skills, and his follow-up even after the closing of our purchase. In summary, I highly recommend Antoine Geha and the Xperto mortgage firm.
Mortgage Frequently Asked Questions Scotiabank
Yes, but additional documents are required: tax assessment notice, tax returns, income statements. We help you prepare a strong application.
Yes. You can switch at any time to a Scotia fixed-rate loan of at least 1 year, with no penalty.
It’s a combination of a mortgage and a line of credit. You can borrow up to 80% of your home’s value with flexible access to the funds.
Yes. The insurance can cover your balance in case of death, disability, job loss, or critical illness. You can be protected up to \$1M (life) or \$3,500/month (payments).
The prime rate is used as a basis to calculate variable rates and margins. For example: variable rate = prime – 0.4%. It is updated according to market conditions.
Yes, with the Scotia eHOME portal, you can submit an application and sign entirely online. Xperto can guide you throughout the process.
Yes, Scotia offers up to \$1,200 to cover your fees if you transfer your loan to them. We check your eligibility.