You can use investment accounts towards a high net worth mortgage in Vancouver. However, the assets can not be ‘locked in.’ You will need to be able to access the cash if you need it. If you are looking to use RRSPs for this type of mortgage, the amount available will be reduced by 30% to account for taxes you’d need to pay if you were to withdraw those funds. Otherwise, your assets can be in most types of investment, savings or chequing accounts in Canada. This includes stocks (of a publicly traded Canadian company), ESOPs, mutual funds, GICs, TFSAs, and so on. There are some invalid types of assets, such as cryptocurrency, which can not be used towards a high net worth mortgage. A mortgage broker can help you identify other invalid assets, if they pertain to you. Please see more on our website.