Banking
Bank products are an important element of our business as we feel it is important to embrace both sides of the balance sheet. Here are some of the products we offer, either directly or on a referral basis:
GICs
Did you know? GICs purchased through an insurance company offer additional benefits not available from a bank, such as creditor protection and ability to bypass probate? In addition, you may be surprised that the rates may be better as well!
Manulife: the benefits of buying GICs through a life insurance company
Manulife Advantage Account (High Interest Bank Account)
This is the only no-fee, high-interest, chequing account available to Canadians, available for personal or corporate accounts. It has all of the features of a conventional bank account but no fees and pays a premium interest rate with no minimum account balance
Manulife ONE
Manulife ONE: an innovative all-in-one chequing/savings/mortgage account that will get you out of debt years sooner. There is no other product like this available in Canada!
Manulife ONE Calculator
Manulife ONE Home Page
RRSP Loans
A great way to catch up on unused RSP contribution room or a last minute top up at RSP time. Borrowing to invest in an RRSP may not be suitable for everyone. Talk to your financial planner or investment representative to find out more about the advantages and obligations of borrowing to invest.
RSP Loan Calculator
Investment Loans
For sophisticated investors with a high risk tolerance, borrowing to invest may be an option worth considering. With certain lending programs, no collateral is required, there are no margin calls if the value of the investment drops, payments are interest-only and the cost of borrowing is generally tax-deductible. This could be a good way to accelerate your investment savings goals in a tax efficient way.
Leveraging magnifies gains or losses. Borrowing to invest involves a greater risk than a purchase using cash resources only. Please ask your financial planner or investment representative to explain these risks.
Manulife: Investment Loans Info
Theres a better way to bank!