I put Scotiabank to work and got my home  sooner

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Buying a home is one of the biggest purchases you'll ever make – and you want to do it right. 

Whether you're buying your first house, upgrading, or investing, our mortgage solutions are designed to guide you every step of the way — with clarity, care, and confidence.

Get to know the process

Let’s make your dream a reality

Explore our step-by-step guides to securing your home with ease

PHASE 1: Pre-Qualification

 

 

  • Initial consultation
    Speak with a Loans Officer to assess your eligibility.

  • Pre-qualification letter
    Use this to begin house hunting with confidence.

PHASE 2: Application submission

 

 

  • Document collection
    Submit proof of income, ID, and property details.
  • Processing begins
  • Valuation report (Bank requested)
  • Surveyor’s report (Client requested)
  • Verification & adjudication
    → Final Approval

PHASE 3:  Legal preparation

 

 

  • Legal document drafting
  • Signing appointment
  • Funding preparation
  • Letter of undertaking
    Sent to vendor’s Lawyer outlining disbursement terms.

PHASE 4:  Finalization & disbursement

 

 

  • Title transfer & bank interest
    Vendor’s attorney submits documents to National Land Agency.
  • Loan disbursement
    You become the proud owner of your new home!

More about pre-qualification

Benefits of pre-qualification:
 

  • Find out how much you can spend on your new home
  • Proof of your borrowing ability for your potential seller
  • Gather documents for the mortgage application process

Here’s how it works:
 

  • Contact any of our Personal Banking Officers
  • Discuss your financial situation and agree to a credit check
  • Receive a letter stating the Mortgage amount for which you have prequalified; including the terms and monthly payments
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Learn more about the mortgage process

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Speak with a mortgage advisor

Our mortgage experts are dedicated to helping our customers choose the right solution for owning their home. Speak with an advisor now or contact your personal banking officer

Make an appointment to visit a branch

We have mortgage specialists available by phone or at  our Head Office - Scotiabank Centre, Cnr Duke and Port Royal Street, Kingston -  or any other location of your choice