Be in control

Whether you're a first time buyer or refinancing to access equity, a Scotiabank Variable Flex Mortgage gives you more control over your interest rates and payments, making home ownership more affordable.

Free to choose

A Scotiabank Variable Flex Mortgage combines the flexibility of a variable interest rate, the benefit of low monthly payments and the freedom to switch to a fixed rate mortgage at anniversary, with no penalties.

With a Scotiabank Variable Flex Rate loan,
there's nothing like the home you own.

• Lower rates
• Rate lock guarantee for 1 year
• Flexibility to switch to fixed rate options