Scotiabank STEP

I'm asking this for a friend.

She has three components currently under her STEP.

• One Mortgage for $130K that renews in October 2026
• One Mortgage for $90K that renews in December 2026
• A HELOC with a Balance of $50K

She wants to restructure everything into a single Fixed Mortgage Term and remove the HELOC in October; which I know is simple enough.

There may also be some Unsecured Debt she wants to Secure, and it should not require a refinance as it is within her Global Limit.

It would also be helpful if she could re-amortize back to 25 years in order to lower her weekly payments; will Scotiabank treat the re-amortization request as a New Lending Application?