Investment Loan
An investment loan is an effective tool to increase your investments’ growth potential through use of a leveraging strategy. Your can thus reduce your taxable income with tax-deductible loan interest.
This type of loan is particularly useful for clients who have a portfolio of non-registered assets and who are long-term investors (10-year minimum).
Why take out a loan for your non-registered savings plan?
- You increase your investment capacity.
- You maximize potential returns on investment.
- You maintain your liquidity for other projects while increasing your investment value.
The advantages of taking out an investment loan with us
- Competitive interest rates.
- You can choose to pay back capital plus interest or interest only.
- When possible, you can choose to just pay the interest (principal at maturity).
- Choice of two borrowing options: a 100% loan (without down payment) or a one-for-one loan (with a down payment equal or superior to the loan amount).
Interest rates
Rates shown are determined based on the Royal Bank of Canada’s prime rate (PR), which is currently at 6.95%. Interest rates are provided for information purposes only and are subject to change at any time without notice.
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See also
Investment loan interest rates (non-registered assets)
| Loan amount |
100% loan Interest rate |
1:1 loan Interest rate |
|---|---|---|
| $10,000 to $49,999 | PR + 1.25% | PR + 0.75% |
| $50,000 to $99,999 | PR + 1.00% | PR + 0.75% |
| $100,000 to $300,000 | PR + 0.75% | PR + 0.75% |
