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

Rates shown are determined based on the Royal Bank of Canada’s prime rate (PR), which was 2.45% as at September 22, 2020. 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
Interest rate (new)
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%