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).
Rates shown are determined based on the Royal Bank of Canada’s prime rate (PR), which was 2.45% as at January 2021. Interest rates are provided for information purposes only and are subject to change at any time without notice.
Investment loan interest rates (non-registered assets)
Interest rate (new)
|$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%|
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