Investment Lending Services

2-for-1 Margined Demand Loans

2-for-1 Margined Demand Loans¹ are designed to meet the needs of investors who are comfortable with a potential margin call and want the flexibility to invest in any of the eligible Mutual Funds and Segregated Funds. Up to $500,000 is available on a 2-for-1 basis. For example, a client deposit of $100,000 can be eligible for a loan of $200,000, allowing your client to make a $300,000 total investment.

Maximum loan:		$500,000 Up to 2 times the deposit
Eligible Funds:	Mutual Funds from: 3rd Party Mutual Funds (See approved list) TD Mutual Funds AEGON Mutual Funds Franklin Templeton Mutual Funds Segregated Funds from: Empire Life Canada Transamerica Life Canada
Payment Options:	Interest only Blended principal and interest with maximum 30-year amortization
Deposit requirements:	Cash and/or unencumbered eligible Mutual or Segregated Funds
Income requirements:	None. Approval based on credit bureau report.

Margin Requirements

• The maximum loan to value ratio at the time the funds are advanced is 66%
• A Margin Warning may be issued when the loan to value ratio reaches 75%
• A Margin Call may be made when the loan to value ratio exceeds 85%

For example:

For advisor use only.

¹ Loans are repayable on demand. Loans may be demanded even if there is no default under the Loan Agreement and even if all margin requirements have been met.