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Investment Lending Services

2 for 1 Margined Demand Loans1


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For your risk averse clients, our 2 for loan program offers access up to $500,000. For example, a deposit of $100,000 will generate a loan of $200,000, increasing the clients' total investment to $300,000. These loans are available for Mutual Funds or Segregated Funds. Loans exceeding $300,000 will be considered however may require additional documentation.

Maximum loan:
  • $500,000
  • Up to 2 times the deposit
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
Deposit requirements:
  • Cash and/or unencumbered eligible Mutual or Segregated Funds
Income requirements:
  • No proof of income required

Margin Requirements

  • The 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 issued to the clients, with a copy to the advisor, when the loan to value ratio exceeds 85%
For example:

DepositLoanPortfolioLTVR
$100,000+$200,000=$300,00066%
Margin Warning$266,66775%
Margin Call$235,29485%


For advisor use only.

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