The “Investor” Application Requirements

An investor application is misnamed. There is no investment. Rather, there is an interest free loan that you give to the government. The government will return your funds after five years without any interest. Your cost is the lost interest that you would have earned if you did not give the loan to the government. You may borrow the funds ($400,000) without providing any security if you use a Canadian financial institution. They do not require any security because they understand that the government is guaranteeing that the funds will be returned. This means that you can effectively purchase a visa for about C$60,000 to C$120,000 depending on prevailing interest rates, as long as you meet the other requirements.

There are no age or language requirements nor is there a requirement to operate a business in Canada. However, in addition to the loan, there are two requirements. First, you (and your spouse/partner) must have a worldwide net worth (all assets minus all debts) of at least C$800,000. You do not need to liquidate any of these assets or bring them to Canada. Second, you must have at least two years of management experience. This experience may be in the private or public sector. Therefore, this type of visa is ideal for those who do not want any commitments after they migrate, including retirees.

The Government Commission

The investor visa is one of the focus areas of our firm. Some advisors and banks do NOT want you to know that there is a huge commission paid by the government to the bank that handles the loan to the government.  The amount of this commission is usually at least $24,000!!!!! The bank usually passes on part of the commission to the advisor who represents you with the government. Advisors can be immigration consultants or immigration lawyers. Please see the Frequently Asked Questions (FAQ) page for the difference between these two kinds of advisors.

We believe it is highly unethical for an advisor or a bank not to fully explain in detail how the commission works and to get your approval of the amount of the commission. The commission may create conflicts of interest between you and your advisor and the bank that you are dealing with. To avoid this conflict of interest, you should be made fully aware of the commission so that our loyalty is only to you and your best interests.

The Immigration Process

First you apply. Then you receive approval. Then you invest. Then you are allowed to immigrate. Expect 12-24 months before you are allowed to immigrate from when you hire us.

How We Will Increase Your Chances of Success

With our 17 years of experience advising Canadian immigrants, we will advise you and prepare your application so that your application is well supported and is as strong as possible. This will reduce the risk of delays and refusals.