{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/4b07f89850ff485a84a3c094dc65d1f7\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/4b07f89850ff485a84a3c094dc65d1f7-1c5b54fb41b326f3.gif","duration":1792.4,"title":"Manulife One (23/06/2026)","description":"This Loom provides an overview of Menulife One mortgage and focuses on the Menulife One HELOC structure and how to position it strategically with clients. Speakers Ian Tarsman and Evenie explain that the HELOC embeds the client checking account into the line of credit, which can reduce interest because deposits apply directly to the debt, while clients still pay a monthly account fee of 16.95 or 9.95 for seniors. Evenie details the account split at up to 80% LTV, requiring only the portion above 65% LTV to be fixed and non readvanceable, with up to five fixed sub accounts and up to 15 tracking sub accounts. The Loom also demonstrates the Menulife One calculator using an example home value of 550,000 and a 300,000 renewal plus 100,000 fully drawn and a 15,000 line of credit, emphasizing cash flow inputs and accurate expense data. A fee waiver promo is referenced as extended so files submitted by December 31, 2026 receive a 36 month fee waiver."}