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Investment Loan

The Investment loan is the ideal product for your customers who have few financial obligations and want to use the strategy of leveraging (borrow to invest) to build their long term assets portfolio.

This product is a financing tool used primarily for investment purposes. It allows your customers to purchase and pledge eligible non-registered units of mutual funds or segregated funds to support the loan by the applicant.

For clients with a strong risk tolerance, this strategy may present several advantages: generate after-tax income that is greater than the after-tax interest on the loan, potentially benefit from income tax deductions1 etc.

Product Features

Financing2 : 100 % of the total investment

Credit limit

  • Minimum amount of $25,000
  • Maximum amount of $250,0003

Interest rate

  • Variable interest rate based on the Bank’s Prime rate plus a pre-determined spread. Interest is calculated daily and payable monthly
  • Fixed interest rate 

Interest Rate Discount Rate discount of 0.25% off posted rates apply if 100% of the loan proceeds and any required additional collateral are invested in eligible National Bank investment funds

Repayment : Capital and Interest

According to the agreement the Bank has with your firm, this product might not be available.

1 The Bank is not ultimately responsible for interest that is not deductible
2 All requests are subject to full underwriting and to the Bank’s approval
3 Requests above $250,000 are assessed in a case by case manor (additional conditions may apply)