Fixed, Variable or All-in-One  Fixed:    A set interest rate for a defined period of time usually ranging from 6 months to 10 years.  Limitations exist for early or accelerated payments.  Variable:  A floating rate for a defined period of time usually ranging from 1 to 5 years.  Flexible repayment options.  All-in-One:  A combination of a mortgage and a line of credit secured by your home. Flexible repayment options. Ability to consolidate consumer debt to lower interest rates.

Secured by your investment or insurance contract  Competitive interest rates compared to other consumer debt  Ability to consolidate consumer debt to lower interest rates 

RRSP loan or Investment term loan  Ability to take advantage of investment opportunities when funds aren't readily available 

Skip the bank machine  Accepted at most retailers throughout the world  Cash back rewards