Financing for your investments.
Kickstart retirement investing
Our team of advisors can help you build a plan and see if it makes sense to borrow this year to make your RRSP contribution.
When opportunity knocks
Answer the call. Apply your loan to either registered or non-registered investments, even if they aren't retirement related.
Whatever works for you
Choose from variable or fixed interest rates based on ATB's prime rate. Interest-only payments are available if you choose a variable option.
Key product details
|Interest rate||Fixed or variable based on ATB's prime rate
|Repayment term||0-12 months
|Maximum loan||Based on maximum annual RRSP contribution and approved credit
|Early repayment||In full at any time, no penalty
Frequently Asked Questions
Yes. You can repay the loan in full at any time without penalty, or simply save on interest by making payments more frequently.
It depends. One of our specialists can help you determine if your return on investment will outweigh the interest you will pay.
RRSPs are not the only account you can use for retirement planning. Investing early and often is key, and our advisors can help you determine if borrowing to top up your RRSP is best, or if just starting to contribute regularly to an RRSP or TFSA will help you reach your goals faster.
Find the loan that's right for you.
Related documents: Loan Agreement Terms and Conditions