Investment Lending Services

3-for-1 No Margin Call Demand Loans

3-for-1 No Margin Call Demand Loans¹ are designed for investors who are comfortable investing in Mutual Fund Portfolio Funds or Segregated Fund Portfolio Funds and wish to access up to $300,000 on a 3-for-1 basis. For example, a client deposit of $50,000 can be eligible for a loan of $150,000, allowing your client to make a $200,000 total investment.

Maximum loan:		$300,000 Up to 3 times the deposit
Eligible Funds:	Mutual Fund Portfolio Funds from: 3rd Party Mutual Funds (See approved list) TD Mutual Funds2 AEGON Mutual Funds Franklin Templeton Mutual Funds Segregated Fund Portfolio Funds2 from: Empire Life Canada Transamerica Life Canada
Payment Options:	Interest only Blended principal and interest with maximum 30-year amortization If loan to value ratio exceeds 135%, payments change to blended principal and interest with maximum 20-year amortization
Deposit requirements:	Cash and/or unencumbered eligible Portfolio Funds only
Income requirements:	None. Approval based on credit bureau report

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.
² Some exceptions apply:
Empire Life Loan Program –include Empire Elite Equity Fund, Empire Balanced Fund and Empire Dividend Growth Fund. TD Mutual Fund Loan Program –include any T-bill or Money Market Fund, any Mortgage or Bond Fund (excluding TD Global Bond Fund), TD Diversified Monthly Income Fund, TD Monthly Income Fund, TD Balanced Income Fund, TD Balanced Growth Fund, TD Dividend Income Fund, TD Dividend Growth Fund.