RRSP Loans

RRSP loans, with rates as low as prime, provides an opportunity for owners to maximize their RRSP contribution and to take advantage of maximum tax benefits today while providing for their future retirement.

Take advantage of unused carry-forward amounts or maximize your yearly contributions by borrowing and taking up to 10 years to repay. Any tax refund could be used to pay down loan balance, make next year's contribution early, or just for you to spend. The choice is yours.


  • Terms up to 10 years
  • 3-year renewal for fixed rate loans
  • Credit life insurance is require
  • Optional disability insurance available
  • Minimum payments apply

Loan is due in full if transfer or redemption of RRSP is requested. Fixed deposits remain for the duration of the term following repayment of the loan. All lending is subject to credit approval within normal credit guidelines.

Mutual funds and other securities are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Mutual funds are offered through Qtrade Asset Management Inc., Member MFDA.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.d declines.