Investment Lending Services

Our goal is to provide you with prompt approvals for the loans¹ that are right for your clients.

Our loans¹ are for individual investors’ non-registered investments and CSV whole life policies. Corporate investment loans are not available.

Credit requirements for 100% No Margin Call loans

• Minimum incomes for B.C. and Ontario: $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. Notices of Assessments for self-employed and commissioned sales applicants)
• Credit bureau score above 700
• 35% TDSR (based on 20 year amortization)
• Loan cannot exceed 50% of the applicants' tangible net worth

Credit requirements for all other investment loans and CSV loans

• No income verification required
• TDSR is not calculated
• Credit bureau score above 650
• No net worth requirements

Please note: Loan applications exceeding the quoted maximums may be considered, but will require additional documentation, including but not limited to, proof of unencumbered investments worth 150% of the loan amount, and confirmation of income.

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.