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Interview: Using RRSP Mortgages To Invest In Real Estate

Mortgages
By Paul Blacquiere
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Arm’s Length Mortgages (also called RRSP Mortgages) are Canada’s best kept real estate investing secret.

In part 2 of this interview, I discuss how retirement accounts such as RRSPs, RRIFs, LIRAs, RESPs, and even TFSAs can directly invest in mortgages for solid returns, allow real estate investors to obtain financing without having to beg the banks for approval.

Note: TD Waterhouse no longer administers arms length mortgages.
However, other trustees are still available.

 

Creative Financing Using
RRSP Mortgages

Discover how to use other people’s
RRSPs, RRIFs, LIRAs, RESPs and TFSAs
to finance real estate.

>> CLICK HERE to learn more <<

 

Watch Part 1 of the interview — Why Invest In Real Estate?

 

How you ever heard of or used RRSP mortgages to fund your real estate deals?

Please leave a comment below and let me know.  And be sure to pass this on to spread the word about this little known investment.

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Paul Blacquiere

Founder at Spirepoint Wealth
Paul is an entrepreneur, investor, speaker, and educator.
He's experienced in multi-family properties, renovation, flips,
joint ventures, and is Canada's top RRSP mortgage expert.
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Latest posts by Paul Blacquiere (see all)

  • Alain St. Pierre says:
    at

    Great video Paul! You did a GREAT job explaining what ALMs are and how to set them up. I’ve used this strategy a few times now with my own properties. I have such a passion to help other Canadians to use this same strategy with their RRSPs that I’ve started a website dedicated to teaching RRSP investors (vs RE Investors). Paul, you are a great mentor!

    Cheers,
    -Alain (Mr. Arms Length Mortgage)

    Reply
    • Paul Blacquiere says:
      at

      Thanks Alain! I’ve spent years teaching about RRSP Mortgages / Arm’s Length Mortgages, and it’s amazing how few people know about them.

      They are one of the few investments available that actually have underlying security — the property itself. So if the borrower stops paying, the lender can force the sale of the property to get their money back.

      Paul

      Reply
  • Alain St. Pierre says:
    at

    Hey Paul, did you hear that TD Waterhouse is not doing Arms Length Mortgages anymore!??

    Reply
    • Paul Blacquiere says:
      at

      Yes, I heard about it a couple of weeks ago and recently received a notice for a mortgage I have with them. Too bad… TDW was very good to work with.

      I was planning on adding other trustees to my RRSP course anyways… now I’ll just do it sooner rather than later 🙂

      Reply
      • Yvanne says:
        at

        Hello Paul,
        Do you know who else is offering the service? I was also using TD. B2B trust does it also,
        but not for properties in Québec. Thanks so much for the info.

        Reply
        • Paul Blacquiere says:
          at

          Hi Yvanne,

          I am currently in touch with a few trustees and am trying to determine one that will support Quebec properties, but no luck so far…

          Paul

          Reply
          • Irene says:
            at

            I just did some research on this topic, and of the 3 trusts (B2B, Olympia, and CWT), none of them will administer Quebec properties. It’s different if you are a Quebec resident and would like to place a RRSP mortgage on an Ontario property – B2B and Olympia will do that for you.

          • Paul Blacquiere says:
            at

            I was talking with an Olympia and apparently they are investigating offering their service for Quebec properties. Nothing confirmed yet, but I’ve asked to be notified if they decide to go ahead.

            If you are a mortgage holder or an investor who wants this service in Quebec… SPEAK UP! Give them a call and tell them you would love to use their company.

  • Martin says:
    at

    Hi Paul,
    I am somewhat new to real estate investing and i’m trying to get a handle on RRSP mortgages.. Not fully understanding who qualifies as arms reach(?)
    My brother in law is interested in investing his RRSP’s with me, however i can not get a clear understanding if he and I would be eligible to proceed…Any insight would be appreciated.Thanks!
    Great website BTW.
    Martin Beaulieu
    Edmonton

    Reply
    • Paul Blacquiere says:
      at

      Hi Martin,

      The basic definition of Arms length means anyone who is not related to you by blood, adoption or marriage. I recommend searching CRA’s website for their definition of “arms length” for more details, as it’s more complicated than that.

      In the case of your brother in law, they are not considered arms length. Therefore you cannot setup an arms length mortgage with him.

      Hope this helps

      Paul

      Reply
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