Banking & credit
Mortgages arranged by your advisor
Investco advisors prepare and submit mortgage applications, renewals and transfers through Manulife Bank. You deal with Investco from the first conversation to the day it funds.
Two ways to structure it
Manulife One or Manulife Select
Manulife One
An all-in-one account that combines your mortgage, savings and income so every dollar works against your borrowing costs.
Learn moreManulife Select mortgage
A traditional mortgage with fixed and variable options and a readvanceable line of credit as you pay down principal.
Learn moreRenewals & transfers
Renewing or moving an existing mortgage — your advisor handles the application and paperwork from start to finish.
Learn moreHow the mortgage fits the plan
A mortgage is usually the largest line in a household plan, so we treat it as a planning decision rather than a rate shop. Term length, amortization and the split between fixed and variable are set against your income stability and your other goals.
Manulife One suits people with variable income or large cash balances, because income sits against the borrowing and reduces interest immediately. A traditional Select mortgage suits steady income and a preference for a fixed payment.
Coverage is reviewed at the same time — an amount that clears the balance, held in a policy you own, rather than creditor coverage tied to the lender.
The process
What to expect
- Step 1
Review
Income, debt, the property and your timeline.
- Step 2
Structure
We recommend the product, the term and the payment that fits the plan.
- Step 3
Application
Your advisor prepares and submits it and keeps you updated.
- Step 4
After funding
Renewals and changes come back to the same advisor.
Start a mortgage conversation
New purchase, renewal or transfer — one advisor handles it.
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.