Re‑Advanceable Know‑How
This RRSP loan lets members borrow up to their annual CRA limit and reuse it yearly without new documents.
What is RRSP Re‑Advanceable Loan
Who is eligible to open an RRSP?
Who is individual age 19 or older and has a valid SIN
The registered Jumpstart HISA promo rate (RRSP/TFSA/RRIF) that launched Jan 6, 2026.
What is 4.80%
Two good options for members still deciding where to invest their RRSP funds.
What is Jumpstart Savings promo & Registered Term Deposits
The pre‑approval cap amount tied to the 2025 RRSP contribution limit.
What is $32,490
First loan payment must be made by this time and is often funded by this refund
What is within 90 days: tax refund
In 2026, both RRSP loan types share these posted and discounted rates.
What is Prime − 0.10%; Prime − 0.25% with CUMIS
Rate guarantee period for transfer in Registered Funds from another FI
What is 30 days from the date the transfer in form is signed.
2026 SWM Promotion Timeline Period
What is from Jan 19 - Mar 31
Name the two targeted pre‑approval groups.
Who is Past re‑advanceable borrowers (5 years); Beacon ≥ 680 with previous lending but no prior re‑advanceable
As of Jan 7, 2026, list posted rate and CUMIS discount rate for RRSP loans.
What is Prime − 0.10%; Prime − 0.25% with CUMIS
When members want to borrow beyond current CRA limits using carry‑forward room, recommend this loan.
What is RRSP Top‑Up Loan
True or False — RRSP loan proceeds qualify as ‘New Money’ for HISA promotions.
What is True
Wealth promo: bonus %, minimum transfer, and two eligible plan types.
What is 1% bonus; $10k minimum; RRSP/TFSA/FHSA/etc.
Members book appointments here, and staff see what in CRM?
What is Personal Lending Coconut; CRM note
Name two eligible places RRSP loan proceeds can go besides Vancity term deposits
What is Aviso Mutual Funds; Qtrade Direct Investing RRSP
Underwriting differences: which loan requires full TDS and which does not require income verification?
What is Top‑Up requires full TDS; Re‑Advanceable = no income verification
Dates of the RRSP 2026 Deposit Campaign and its key message focus.
What is Jan 9–Mar 31; Focus on Jumpstart + Term Deposits
DAILY DOUBLE: Loan proceeds can also be directed here to create warm wealth referrals.
What is SWM accounts
Way to confirm if member received the pre- approved RRSP offer
What is note on CRM
Maximum number of borrower can be on a RRSP loan
What is one
A loan designed to catch up unused room, usually minimum $5,000 with up to 84–120 months amortization.
What is RRSP Top‑Up Loan
The Impact Term Deposit launched for RRSP season. State the term and RRSP rate.
What is 1‑year non‑redeemable; 3.05% RRSP
Market‑linked RRSP options that offer principal protection and sustainability branding.
What is Planet‑Wise Index‑Linked Term Deposits
List three compliant ways to position an RRSP loan that
also create deposit or wealth referral opportunities this
season.
What is:
Re‑Advanceable → Jumpstart 4.80% as New Money
• Top‑Up → Impact Term Deposit 3.05%
• Re‑Advanceable → SWM referral & 1% transfer‑in bonus
• Re‑Advanceable → Invest via Aviso or Qtrade RRSP