Financial: It’s Not What You Put Into Your Mortgage...It’s What You Get Out Of It.

One of the great things about owning a home is the equity you build up over time. And with the Scotia Total Equity Plan, you can turn your mortgage into a powerful financial tool. One that can reduce the cost of your borrowing and save you money every year.

A "one-time" application gives you a predetermined borrowing limit that you can divide among a variety of credit products:

Mortgage
Line of Credit with VISA card access.
Line of Credit
VISA Card
Personal Loan
Overdraft Protection

You could, for instance, allocate 60% of you overall borrowing limit to your mortgage, 20% to your line of credit and 20% to your credit cards.

With the Scotia Total Equity Plan, you’re in control. You can decide based on your short, medium and long-term goals how you want to manage your cash flow by designing your own personal mix of borrowing products.

Once your Scotia Total Equity Plan is set up you never have to apply for credit again. As your equity grows, so does your ability to access further credit. And if you plan to move, you’ll likely be able to take your Scotia Total Equity Plan with you. Just ask them.

For more information on the Scotia Total Equity Plan please contact kerithmcleod@scotiabank.com Oakville Main Branch - Manager - direct line 905.845.3935 or heather.philleppe@scotiabank.com Oakville Main Branch - Manager Personal Banking - direct line 905.845.6729

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