Investment Loans

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

The rates shown are fixed in accordance with the Royal Bank of Canada’s prime rate (PR), which is currently at 2.45% as at March 30, 2020. The interest rates are provided for information purposes only and are subject to change at any time, without notice.

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Investment loan interest rates (non-registered assets)

Loan amount 100% loan One-for-one loan
$10,000 to $50,000 PR + 1.75% PR + 0.75%
$50,001 to $100,000 PR + 1.50% PR + 0.75%
$100,001 to $250,000 PR + 1.25% PR + 0.75%
$250,001 to $500,000 N/A N/A