RRSP Mortgages Explained | Real Estate Investing Canada | Wayne Hillier

🎧 RRSP Mortgages Explained: How to Use Your Retirement Funds to Fund Real Estate Deals Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier Most investors think their RRSPs are locked away until retirement… But what if you could turn your RRSP into the bank and start earning predictable returns backed by real estate? In today's episode, Wayne breaks down RRSP mortgages in Canada — how they work, the rules you need to follow, and how investors are using them to fund deals. If you've ever wondered how to unlock capital, structure creative financing, or attract JV partners with RRSP funds, this episode is a must-listen. 🧠 What You'll Learn in This Episode What an RRSP mortgage actually is and how it works How to become the "bank" using a self-directed RRSP The key rules you must follow (arm's length, security, CRA compliance) Why RRSP mortgages are considered a lower-risk investment Typical interest rates and why they often match private lending When RRSP mortgages make sense (and when they don't) Best strategies to use RRSP funds: Bridge financing Fix and flips BRRRR deals Why RRSP mortgages do NOT work for joint ventures The biggest mistake investors make when trying to use RRSP funds A powerful mindset shift on RRSPs vs real estate returns 💡 Key Takeaways An RRSP mortgage allows you to lend your retirement funds as a mortgage instead of investing in the stock market The loan is secured by real estate, just like a bank mortgage Returns are typically fixed and predictable, often in the 8–15% range You cannot use RRSP funds in a joint venture due to CRA rules RRSP lending works best for short-term, high-impact strategies For active investors, real estate often outperforms RRSP returns ⚠️ Important Rules to Know Must be self-directed RRSP Must go through a trust company (Olympia Trust, etc.) Must be arm's length (no lending to family) Must be secured by real estate (registered mortgage) Must be at a commercially reasonable interest rate Lender cannot benefit beyond interest (no JV ownership) 🔑 Investor Insight from Wayne Most Canadians use RRSPs because they've been told it's the "safe" path. But as a real estate investor, you need to ask yourself: 👉 Are you optimizing for safety… or for returns? For many investors, the better move is: Pay the tax today Use the remaining capital Deploy it into high-performing real estate strategies Because if you can outperform RRSP returns consistently… That tax deferral advantage becomes irrelevant. 👥 About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies. New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice. 💡 Resources & Contact Learn about our Mentorship Program: www.reimasters.ca Bookkeeping & tax help: www.finngo.com/rei Submit a question: [email protected] 🤝 Thanks to Our Sponsors 🏠 Calvin Realty – Edmonton Investor-Focused Realtor 🌐 calvinrealty.ca 🔗 Facebook 📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm 🌐 www.finngo.com/rei 🔗 Facebook 💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers 🌐 www.kbmortgages.ca 📧 [email protected] 🔗 Facebook 🏫 Edmonton Real Estate Investing Course Thinking about investing in Edmonton but not sure where to start? Our 8-week Edmonton Real Estate Investing Course gives you a clear blueprint to invest with confidence, including: 🔹 Why Edmonton is one of Canada's strongest cash flow markets 🔹 The economic drivers shaping Edmonton's growth 🔹 How to analyze neighborhoods for cash flow and upside 🔹 The five main asset types and how they perform 🔹 Tenant selection strategies that protect your returns 🔹 How to buy rental properties that actually make money 👉 Learn more and register at: www.reimasters.ca