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Investment Lending Services

100% No Margin Call Demand Loans1


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To maximize their leveraging abilities, our 100% No Margin Call loans will allow your clients access up to $250,0002 without pledging any funds. These loans are available for Mutual Funds or Segregated Funds. Loans exceeding $100,000 may be considered however may require additional documentation.

For information and advice on the best solutions for your clients' needs please call us toll free at 1-855-834-8532.

Loan amounts:
  • $50,000 to $250,0002
Eligible Funds:
3rd party Mutual Fund loan programs:

All approved Mutual Funds, from any eligible Fund family (up to 100%):


Stand alone Mutual Fund loan programs:

All approved Mutual Funds, from each of the eligible Fund families (up to 100%):


Stand alone Segregated Fund loan programs:

All approved Segregated Funds, from each of the eligible Fund families (up to 100%):

Payment Options:
  • Interest only
  • Blended payments - up to 30-year amortization
  • If LTVR ever exceeds 135%, then blended principal and interest payments would begin based on a 20 year amortization
Income requirements:
  • Credit bureau score above 700
  • Minimum incomes for B.C. and ON: $60,000 individual applicant; $75,000 combined for joint applicants
  • Minimum incomes for other provinces and territories: $50,000 individual applicant; $65,000 combined for joint applicants
  • Proof of income (recent paystub for salaried applicants, 2 yrs. NOAs for self-employed and commissioned sales applicants)
  • 35% TDSR (based on a 20 yr. amortization)
  • Loan cannot exceed 50% of the applicants' tangible net worth

For advisor use only.

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

2 Loans from $100,001 to $250,000 may be considered, however additional information may be requested. For example but not limited to, proof of unencumbered investments worth 150% of the loan amount (ex. $120,000 loan x 150% = $180,000 unencumbered investments).