Manulife One

A Complete Banking & Mortgage Solution

The Manulife One account combines your income and borrowing into one account to give you financial flexibility, save you thousands of dollars in interest and help you pay off your mortgage years sooner.

Find out if Manulife One is ideal for you.

All-in-one Solution

Consolidate Your Banking, Mortgage and Other Debts to Save

Manulife One combines the traditional functions of chequing, savings, mortgage and line of credit accounts under one account that’s designed to lower your interest costs. You can consolidate debts or withdraw funds as needed up to your borrowing limit, at a low interest rate, and any deposits—your paycheque, savings or short-term investments—automatically reduce the total debt in the account, bringing your interest costs down.

income
Prepare for the Unexpected

Prepare for the Unexpected

Whether you’re faced with sudden medical expenses, job loss or a costly home repair, the Manulife One account makes it easier to weather the financial storm. While your income reduces your debt, the total borrowing limit remains the same, and you can always draw on those funds if needed to cover expenses.

Financial Flexibility
Financial Flexibility

With Manulife One’s total borrowing limit, you can use equity—built by paying down your mortgage and other debts—to finance a renovation or purchase of a new vehicle, take advantage of an investment opportunity, maximize RRSP or RESP contributions, or even indulge in a special vacation.

Manage Your Rental Property
Manage Your Rental Property

The Manulife One account makes it easy for rental property owners to track income and expenses, access equity for repairs or investment in another property, and accelerate debt repayment. With income and expenses all in one account, it’s especially easy to track interest and maintenance costs for tax purposes.

Smooth Income Variability
Smooth Income Variability

Whether you’re a small business owner, work in a seasonal industry, or have commission-based income, inconsistent month-to-month income can make financial planning more challenging. With a total borrowing limit, the Manulife One account makes it easier to cover expenses in months when your income is lower.

Why switch to Manulife One?

improved cash flow
improved cash flow

Take advantage of investment opportunities to grow your wealth, fund renovations to increase the value of your home (further building your equity), or use borrowing capital as needed to contribute to RRSPs or RESPs to reduce your taxable income.

Flexibility for families
Flexibility for families

Purchase a family vehicle at a low interest rate, cover the cost of baby gear for a new child, and use interest savings to contribute to your kids’ RESPs.

Rainy day account
Rainy day account

Cover unexpected out-of-pocket medical expenses, pay for costly vehicle repairs, and have an extra cushion available in the event that home repair costs exceed your contingency budget.

stay safe
stay safe

Cover living expenses if you lose your job or can’t work as many hours, or manage variable income more easily if you’re a small business owner, seasonal employee or have commission – or bonus-based income.

Retire earlier
Retire earlier

Invest the interest saved with the Manulife One account to grow your wealth, pay off your mortgage and other debts faster to achieve financial freedom earlier, or use borrowing capital to fund an investment property.

Use our calculator

Calculate Savings

Find Out How Much You Could Save

Our team will review your financial landscape to see if Manulife One is right for you. In the meantime, feel free to use Manulife One calculator to learn how much you could save by switching.

Manulife One Difference

There’s More to a Mortgage Than the Rate

Watch this short video to see how Manulife One works.

Winning Reviews

What our Clients are Saying on Google

Bob Hamilton
Bob Hamilton
June 2020
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We are now happily living in our new home, and are happy to give a very big thumbs up to Mortgage Winners in helping to get us here. We highly recommend you contact them for your mortage needs.
Mike Marchessault
Mike Marchessault
November 2019
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When it came time to roll my debt into my mortgage Julia worked directly with the lenders and gave me clear instructions of what I needed to do.
Catia Silva
Catia Silva
October 2019
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Loved working with Gagan and his team. Very helpful and answered any questions/concerns we had along the way. Will definitely recommend them to future clients.
christian hernandez
christian hernandez
October 2019
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I would highly recommend them for their no stress approach, expertise and willingness to go above and beyond. Thanks Gagan & team.
TyTy C Channel
TyTy C Channel
September 2019
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Mortgage Winners made our financial institution change when renewing our mortgage a breeze! Staff is extremely helpful and knowledgeable. I highly recommend picking them to be your Broker!
Ravinder Singh
Ravinder Singh
September 2019
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If you're looking for a mortgage broker that cares this is the place for you. Gagan was nothing but helpful when we were getting a mortgage for our new home. He's also bee a great help after we got the mortgage.
Julieth Romero-Oran
Julieth Romero-Oran
August 2019
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I went looking online for mortgage brokers and found this company , they are super friendly and so helpful! Our mortgage felt so easy because of them!
Kathleen Bernardo
Kathleen Bernardo
August 2019
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Mortgage Winners will always be my go-to when it comes to financial/mortgage needs. For clients like us who knows very little about this industry, we feel confident working with Julia and Gagan.
Sim Bains
Sim Bains
September 2016
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My overall experience with Mortgage Winners was fantastic! They took the time to ask questions and helped me plan a mortgage option that I felt completely comfortable with.
Philip Martin
Philip Martin
July 2019
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Gagan and Julia were extremely professional and dedicated to my mortgage needs. Questions and concerns were addressed promptly in an easy to understand format any audience will appreciate.

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