Banking & credit
Access to funds, arranged before you need them
A secured line of credit is cheapest to set up when nothing is wrong. We put one in place as part of the plan so a repair, a gap in income or an opportunity does not force a costly decision.
Secured borrowing
Backed by home equity
Secured by your home
A lower rate and a larger limit, using equity you have already built. Often paired with a Manulife Select mortgage.
Sized to a purpose
We set the limit against a specific need — an emergency reserve, a renovation, a tax instalment — not the maximum available.
Where it belongs in the plan
A line of credit is a backstop, not income. We agree in advance what it is for and how it gets repaid, and that goes into the written plan.
For clients with a Manulife One account, the borrowing capacity is already built in — a separate line often is not needed. Your advisor will tell you when that is the case.
Product details
From Manulife Bank
Secured line of credit
A secured personal line of credit for flexible access to funds, backed by home equity and arranged through your Investco advisor.
Learn moreManulife One
An all-in-one account that combines your mortgage, savings and income so every dollar works against your borrowing costs.
Learn morePut a line of credit in place
Your advisor arranges it and sets the limit against a purpose.
Banking products are provided by Manulife Bank of Canada. Investco Financial advisors arrange applications and servicing; approval, rates and terms are set by Manulife Bank and are subject to its lending and account criteria.