“Discover How To Finance Property
Using Other People's RRSP, RRIF, & LIRA Funds
All Without Paying Withdrawal Taxes”

Tap into virtually unlimited down payment money
Learn how to boost your cash flow
And kiss the banks goodbye

From the desk of Paul Blacquiere
Ottawa, Ontario, Canada

Dear real estate investor,

Have you ever been turned down by the banks for financing?

Have you ever wondered if there was a better way to finance your properties that didn’t require proof of down payment, credit checks or even a JOB?

You're not alone...

This happens to every investor at some point, but 99% of them never discover what I’m about to tell you.

Hit A Limit With The Banks

When I first got started investing in real estate, I invested a small amount of cash in my first property (the only one I ever did).

And then as the Ottawa real estate market went up, I leveraged the equity to buy more and more property.

After awhile, I hit a limit with the banks — I couldn’t borrow any more.

They would only lend me up to a certain amount, a limit they called “Loan To Value”.

It basically meant they required me to have a certain amount of money invested in the property.

For example:

  • For one property worth $200,000, they would only lend 75% of the value or $150,000
  • The remaining 25% equity, or $50,000, was ‘dead’ — I couldn’t access it

I wanted to leverage my money even more, but I didn’t know how.

I investigated using private money through mortgage brokers, but they still required I fill out applications, get my credit checked, etc.

I also checked out hard money lenders, but they had strict loan requirements and they were crazy expensive!

Discovered A Secret Technique

That’s when I discovered a virtually 'secret' technique used in the commercial real estate world.

It had been around for years and it was 100% endorsed by CRA, but virtually nobody in the residential real estate world knew about it.

I found out I could actually use other people’s RRSPs (their registered retirement accounts) to finance my properties.

And I could do it PAST the loan limits the banks were imposing.

Not only that, but I also found that I did not have to fill out an application, qualify based on my income, and I didn’t even require a credit check!

The best part was that the fees involved were very low.

And the interest rates and other mortgage terms were negotiated directly between myself and the person lending the money — there was no middleman.

Increased Cash Flow, and
Recovered Down Payments

Basically I was finding my own private mortgage lenders.

But instead of having to find someone with large amounts of cash sitting in their bank account (not very common)...

I could use the funds in someone's government registered accounts, including:

  • RRSPs
  • LIRAs
  • RRIFs
  • RESPs
  • TFSAs, and
  • even RDSPs!

This was MUCH easier to find!

And the amazing thing was that all their existing RRSP money (or LIRA, TFSA, etc.), and all interest they earned, stayed tax-sheltered within their retirement account.

I was so excited about this discovery, that I spent months learning how these "RRSP Mortgages" worked, including:

  • How to setup them up
  • How to use them in a variety of ways, and
  • How to find investors interested in loaning me their RRSP money

I even invested my own RRSP money with another investor, just to learn what it would be like from the lender’s point of view.

While doing all this research, I also figured out cool techniques that would allow me to...

  • Boost my monthly cashflow
  • Recover my down payment funds, and
  • Even finance 100% of the purchase price of a property

It was around this time that people started asking me how I did it, and I always found it difficult to explain a topic like RRSP Mortgages during a 10 minute conversation.

When I decided to start teaching people how to invest in real estate back in 2007, I knew I had to show people how to use this incredible technique.

I put together a live course in Ottawa on how to use other people’s RRSPs, RRIFs, LIRAs, and more.

Students LOVED the course and I kept hearing success stories about how people were using RRSP Mortgages.

But there was one problem… it was a LIVE course held in Ottawa, which meant if you didn’t live nearby or couldn’t afford to travel, you were out of luck!

I finally decided to convert the live course into an online format, to allow anyone, anywhere in Canada to benefit from this system.

The course is called…

Creative Financing Using
RRSP Mortgages

Here’s a sample of what this course will show you…

  • How to purchase property using other people’s RRSP money
  • 11 reasons why a private money lender should loan you their RRSP money
  • 7 ways to structure your RRSP mortgage financing to minimize risk
  • 9 best clauses to use in your mortgage agreement
  • 11 ways to use RRSP mortgages to buy, refinance, or even sell property
  • How to make your offer look very attractive to property sellers (hint: it involves using their RRSPs)
  • Eliminate the guesswork and learn exactly how to fill out the paperwork
  • And MUCH more!

Get Instant Access

I Can Already Borrow From The Bank…
Why Do I Need Your Course?

This training can help you finance your properties with…

  • No bank qualifying (your credit doesn't matter)
  • No application forms (and no personal guarantees)
  • No job verification (great for self-employed people!)
  • No down payment verification — funds can be borrowed
  • Financing up to 100% of the purchase price
  • Lower interest rates than through a mortgage broker
  • No mortgage broker fees and low setup fees
  • Increased leverage & returns — buy property with
    other people’s money
  • Advanced strategies to boost your monthly and
    annual cash flow

What Do I Get With The Course?

In the past, you had to travel to attend one of my live events (and incur all those travel and hotel costs)...

But now you get the same information, delivered in 100% digital format inside my “Private Member’s Only Area”, so you can have instant access and review it any time you want.

Step-By-Step Video Training

In these video recordings, you’ll get detailed instructions and diagrams showing you step-by-step exactly how to do everything to close your first RRSP Mortgage.

I explain everything you need to know to get started, including:

  • Exactly how RRSP Mortgages work
  • Types of property you can use
  • What mortgage features are best for you as an investor
  • How RRSP mortgages differ from regular mortgages
  • Creative ways to structure RRSP Mortgages to benefit you
  • How to use RRSP Mortgages to buy, refinance and even sell property
  • How to find investors and get them to invest with you
  • The benefits for a private lender lending you money
  • What to do to avoid negative tax consequences
  • And much more

I also give many tips and suggestions based on my personal experiences over many years of investing with RRSP mortgages.

It’s like having a mentor right there beside you showing exactly what to do at each stage of the process!

Templates, Form Letters, and Spreadsheets

Over the years, I created many document templates, form letters, and even spreadsheets to help me quickly and easily close RRSP Mortgages.

Here are some of the forms and tools you’ll have access to inside the members area:

  • Lender Negotiation Worksheet – Aren’t sure what to offer your private lender? Use this worksheet to negotiate each of the available terms and conditions for your mortgage. It’s as easy as filling in the blanks.
  • Lawyer Form Letter – Now that you’ve got the mortgage terms worked out, get your lawyer started on the right foot with this form letter. Don’t assume your lawyer knows what to do (most don’t when it comes to RRSP mortgages!)
  • Mortgage Payback Spreadsheet – The most important thing I show you is how to plan to pay back your private lender. This spreadsheet will help you determine if you have enough money to pay back your loan when it comes due.
  • And much more

These documents will save you an incredible amount of time, and ensure your RRSP Mortgage closes quickly and smoothly.

Action Assignments

Knowledge without action is wasted

Ever bought a course and left it sitting on your shelf or on your hard drive, doing nothing?

In this course, I’ll challenge you to complete action assignments that will help you immediately apply what you’ve learned.

It’s like having a mentor, right by your side, nudging you to take action!

The best part? You’ll remember more of what you learned, and you’ll start to see instant results.

Step-by-Step Video Training, Forms & Tools,
Action Assignments
Value $1997

Click To Get It Right Now

Bonus #1: Investor Presentation

One of the most common questions I get from people is…

How do I get potential investors
to invest in RRSP Mortgages?

To help you get your first (or next) investor FAST, I've included my own easy-to-follow PowerPoint presentation, along with a walk-thru video explaining exactly what to say and do for each slide.

The PowerPoint file can be fully modified to include your name, picture and logo, and it's yours free in the members area.

Value $400

Bonus #2: Trustee Comparison Sheet

For years I used a single trustee for my RRSP Mortgages.

However, when that trustee decided to no longer offer those services, I had to find an alternative.

I researched 3 other trustees, but quickly discovered they were not all created equal.

One was good for 100% financed deals, another was good for low fees, and so on.

To help you decide which trustee to use for your particular deal, I put together a detailed comparison spreadsheet.

I've also included a full walk-thru video showing how each trustee compares to the other.

I made sure to compare all the little details that most people would never think to ask about, so you don’t get a surprise when you setup your first RRSP mortgage.

Value $300

Bonus #3: Private Q&A Recordings

I've held multiple private Q&A mentoring webinars for my RRSP Mortgage course students to answer any questions they had, and clarify any steps in the process.

These recordings are over 6 hours of Q&A, and it’s included for free in the Private Member’s Only Area with your course.

Value $400

Bonus #4: Paperwork Training Videos

Not sure how to fill out the paperwork for a trustee?  No problem

These training videos will show you exactly how to fill out the paperwork for 3 different trustees.

You'll also hear answers to various student questions, so you can learn from them as well.

Value $600

Total Value $3697

Your Educational Investment
Only $997

Click Here For Instant Online Access

“Creative Financing Using RRSP Mortgages” is a web-based course in my Private Member’s Area.

You will need a web browser capable of playing MP4 video files (most modern browsers do).

After signing up, your account will be instantly activated and you will have access to the course videos, tools and other bonuses.

This course can teach you...

How to find $25,000, $50,000, or even $100,000
for your next property purchase!


Imagine not having to come up the down payment money for a property, or getting your down payment back right after closing on a deal.

How much would that be worth to you?

Some people would pay $10,000+ to learn this system, but I’m offering it for only a fraction of that.

Remember, if all this course does is…

  • Help you avoid the stress and hassle of qualifying for bank financing
  • Show you how to eliminate the need for proof of down payment and credit checks
  • Help you close a great deal at the last minute that earns you tens of thousands in profit
  • Save you thousands in private financing fees from a mortgage broker
  • Help you finance 100% of the purchase price of your next property...

…then this course has paid off. Get your copy right now

Read what other investors are saying...

Malcolm Setter

Fort McMurray, Alberta

Added $900/mo cashflow & saved $45k in CMHC fees

I only recently received your RRSP course and I am awestruck. Absolutely necessary if you are serious about real estate investing.

Already I am taking the info from your course and using it on an in-progress deal to add 900 dollars a month cash flow and save 45,000 in CMHC fees.

I will be encouraging every investor I meet to buy this course. Thank you again!

Ken Beaton

Almonte, Ontario

Realtor, Broker,
President of ARCA Real Estate

His RRSP program I have personally used many times

Paul is a very detail oriented person who believes in over delivering in anything he does for you.

His technical ability and attention to detail allow Paul to deliver exceptional products and programs.

An example of this would be his RRSP program which I have personally used many times and will continue to use in the future.

Marshall Barbour

Fort McMurray, Alberta

Realtor, Investor

His courses are absolutely full of an abundance of detail

I really appreciate the support, commitment and time that Paul Blacquiere of Spirepoint puts into educational programs.

I am a Real Estate investor and Realtor. I am always looking to learn more and his courses are absolutely full of an abundance of detail.

Anyone looking to find great resources to educate themselves in the field of real estate investing – this is the place!

Francis Theriault

JFK Investors


I have purchased 26 properties with JV Partners and RRSPs

I attended Spirepoint’s RRSP mortgage workshop in 2008. I have since purchased 26 properties with JV Partners and RRSPs.

I strongly recommend everyone to take the course… Money well spent… Thanks!!

I’ve seen what this course can do for my students, and I know it can help YOU fund your next deal with private money – RRSPs, RRIFs, LIRAs, RESPs, TFSAs, and even RDSPs.

Here’s my guarantee…

Try It Risk-Free For The Next 30 Days

100% Risk-Free No Hassles Guarantee

Order the course and take the next 30 days to try everything out.

If you don’t think the techniques and tools will help you find private retirement funds to help close your next deal, without filling out applications, getting a credit check, and proving your down payment sources, then I’ll refund every penny.

No Risk and No Hassles. Guaranteed.

YES! I Want Instant Access Now!

I understand I'll receive the following:

Digital Online Home Study Course

  • Step-by-Step Online Video Training
  • Download Templates, Form Letters & Spreadsheets
  • Action Assignments

Extra Bonuses

  • Bonus #1: Investor Presentation
  • Bonus #2: Trustee Comparison Sheet + Video
  • Bonus #3: Private Q&A Recordings
  • Bonus #4: Paperwork Training Videos

I also understand I’m protected by your 100% Risk-Free No Hassles Guarantee, so I have no risk in ordering.

Your Educational Investment
Only $997

Add To Cart

All prices are in Canadian dollars (CAD). GST/HST extra.

“Creative Financing Using RRSP Mortgages” is a web-based course in my Private Member’s Area.

You will need a web browser capable of playing MP4 video (most modern browsers do).

After signing up, your account will be instantly activated and you will have access to the course videos, tools, and bonuses.

To your success,

– Paul Blacquiere

P.S. – Don’t lose another real estate deal because the bank won’t lend to you and you can’t find the financing.

Learn how to find your own private lenders and tap into billions in retirement funds to buy your next property.