Secure Monthly Income Through Private Lending: A Smarter Path to Retirement
- Marinella Nicolosi
- Sep 1
- 2 min read
By Marinella Nicolosi, Private Lending Queen
If you’re trying to make your savings work harder—without giving up your time or peace of mind—private mortgage lending through your RRSP or TFSA could be the missing piece.
Whether you're a mom building wealth for your kids or finally focusing on yourself as you approach retirement, this strategy gives your registered funds a clear, secure path to monthly income.
So, Can You Really Use Registered Funds for Real Estate?
Yes—absolutely. In Canada, you can use a self-directed RRSP or TFSA to invest in private mortgages. That means your registered funds can earn 8–12% per year, secured by real estate, without buying a rental property.
You lend money to a real estate investor. They pay you monthly interest. A lawyer registers the mortgage on the property.
✅ No tenants.
✅ No renovations.
✅ No stress.
Why This Works for Women Like You
If you’re juggling kids and a career, or finally have time to focus on stretching your retirement savings, this strategy fits your lifestyle:
Predictable, monthly cash flow
No property management required
Your investment is secured and legally protected
You can even start with $10,000 through your TFSA or RRSP
A Real-Life Example
Lend $100,000 from your RRSP at 10% interest.
→ That’s $10,000/year, or $833/month in passive income—growing tax-deferred (RRSP) or tax-free (TFSA).
That’s money working while you focus on what matters most.
What’s the Catch?
None—if it’s done right.
You’ll want:
A self-directed account with the right trustee (not all banks allow this)
A licensed mortgage broker to find a vetted deal
A real estate lawyer to protect your investment
If you’ve been thinking investing is “for someone else,” think again. You already have the funds. You just need the right strategy. Let your RRSP or TFSA work for you.
This is how smart Canadian women are creating secure income—without landlord headaches or second jobs.
Published: September 1st, 2025 - 2 min read
By Private Lending Queen
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Imagine Financial Freedom—What's Your Next Move?
If you’re dreaming of building wealth through real estate—whether as a confident private lender or a capital-raising investor—our Real Estate Investing Masterclasses are your gateway.
Whether you want to be hands-on or make your money work for you and earn through passive income, we’ll give you the step-by-step clarity, tools, and confidence you need to invest with purpose and power.
Your journey to financial freedom starts here. Are you ready to begin?
Learn more about our masterclasses at www.privatelendingqueen.commasterclasses or book a Discovery Call with Marinella Nicolosi.
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