Frequently Asked Questions
If you have a question that isn't answered on this page, please click on the chat window at the bottom right of the page to ask your question and we will do our best to get you an answer.
Shipping to Canada and the contiguous USA is free on orders over $350 CAD.
For orders under $350, there is a shipping charge of $35 CDN including tax.
If you are not located in Canada or the contiguous USA, please contact Delta Harbour for an accurate shipping quote.
Shipping to Canada and the contiguous USA is free on orders over $350 CAD. We also ship to the following countries.
- Cayman Islands
- Czech Republic
- Hong Kong
- New Zealand
- South Korea
- United Kingdom
Please contact us for a custom shipping estimate outside of Canada or the contiguous USA.
On average Delta Harbour ships out packages within 5 days of the receipt of payment.
Certain payment methods are subject to bank processing and take longer than others (cheques, drafts, and money orders take up to 7 working days to clear-no exceptions), and mailed payments are subject to courier delivery times.)
Processing - Once your payment is received, your order is finalized
and processed. Some product is on hand in inventory, and others can be in transit at any time as our inventory gets replenished continually. Once your product arrives, your order will be placed in the queue to ship. (Remember, some payment methods require time to clear before a product can be designated to you).
On Hold - There are a few reasons why your order might be placed on hold or delayed.
Sent/Completed - We’ve prepared your order for shipment! You should be receiving an email with tracking information shortly, if not already. Please allow one business day for tracking information to activate.
Once orders are shipped, we provide a shipping confirmation with tracking information via email. The courier should deliver your package within 1-3 business days typically. Please allow more time for rural or non-standard addresses.
Delta uses several trusted and fully insured bonded courier services for our deliveries. (Malca Amit, FedEx, Canada Post, Loomis, Purolator etc.) 99% of our packages are sent using an express service that typically comes within 24-48 hours of shipping and includes tracking and full, 100% insurance.
Metropolitan - Typically, packages can be sent overnight priority and can arrive the next day if you have a metropolitan address.
We reserve the right to choose the delivery standard based on our costs.
Your package is traceable and fully insured.
Suburban -Typically if you have a suburban address, we can have packages out to your address within 24-48 hours of being sent. We reserve the right to choose the delivery standard based on our costs. Your package is traceable and fully insured.
Rural-If your address is considered rural, Delta Harbour reserves the right to ship the package to either your location or the closest major carrier centre to your address. We do this to maintain the insurance coverage and the timely delivery of your package. Once received at the nearest major delivery centre, you are notified and may pick up the package with a signature and photo ID. Although we make every effort to have your packages out to you promptly,
with tracking and full insurance, rural delivery has no guaranteed delivery timeline. We reserve the right to choose the delivery standard based on our costs. Your package is traceable and
Some payment methods are subject to bank processing and can take up to 7 business days to be received on our end. If you send a physical cheque/money order/draft, it can take even longer as we await delivery from the courier.
If you wish to have the shortest wait time possible we suggest that you choose a method commensurate with shorter wait times, such as bill payment, wire transfer or eTransfer options.
Registered Bullion Accounts (e.g. RRSP, TFSA, LIRA)
Questrade is the "custodian" for our registered accounts, which basically means they are the plugin that we need to offer you as a client a dashboard and the capability to connect your purchasing power with real physical bullion.
Other Questrade Information:
- Canada’s fastest growing Online Brokerage
- 200,000 New accounts opened annualy
- Privately Owned Company (Not a Public Bank)
- 9 x Winner of Canada’s best managed companies
- $25 Billion In Assets Under Administration
- Delta’s Bullion partner and the Custodian for all registered accounts
- 22 years of being a proudly Canadian company
You can purchase and own actual physical bars and coins of silver and gold bullion in your registered accounts (TFSA, RRSP,Locked-in RRSP, LIRA, SRRSP, LIF, RIF, RESP etc.) through Delta Harbour Assets.
Our partner in registered accounts, Questrade, provides custodial services that allow Delta’s clients to have these accounts using new funds or funds transferred from existing institutions. Simply connect with your Delta account representative to find out more.
Yes, in most cases, you can transfer some or all of your existing holdings (mutual funds, stocks, bonds, ETF’s and cash) found in your existing registered account/s from one institution to another, and we can convert that to real, physical precious metals stored in a vault.
The process is straightforward and done entirely online. We can walk you through it and support you every step of the way. There are no tax implications and the funds remain under the umbrella of the existing registered account while in transit to Delta Harbour.
Yes. You can take home your bullion. Each account is handled differently so talking to your account representative is the key to knowing what those costs/fees/taxes may be.
Questrade handles the calculation and withdrawal of monthly storage funds for you.
The storage fee is 1.25% of the total metal value per year and it is charged on a monthly basis.
For example, if you have $12,000 in total metal value at the end of the month, your monthly cost for storage would be as follows. $12,000 x 1.25% = $150 per year. For that month you would then take $150 and divide it by 12 which would be a monthly cost of approximately $12.50. This storage is calculated monthly and withdrawn from the cash balance within the individual registered account.
Please note we’ll always set aside 3% worth of cash (or more, if you choose) in your Registered account before placing a purchase to ensure you have enough cash to cover these storage.
The Dealer Authorization Form allows you to connect your
Questrade account to Delta Harbour Assets in order to place buy or sell orders of physical gold and silver when directed by you as the client.
All orders are taken over the phone (no email) and with your
authorization. Please note that we cannot place any orders or give any information about your account without a finalized Dealer Authorization Form
(DAF). The Dealer Authorization Form also provides us with a summary of your account, including the cash balances and your gold and silver holdings. Our team requires this information to manage sales and minimize any issues (i.e., insufficient funds). It also allows you, in most cases, to get more expedited service from Questrade by using Delta to ask and receive answers about your account(s) on your behalf.
Reliable vaulted storage provides gold and silver owners with benefits such as protection from physical loss. (fire, burglary, acts of mother nature etc.) Vaulted storage also provides full insurance coverage and most notably the peace of mind that comes with knowing your gold and silver holdings can be liquidated on a phone call.
Yes but there are some exceptions to this depending on the type of bullion you currently own.
In most cases, you can add this bullion to your current or new holdings from Delta Harbour.
All buying and selling can be done by telephone through your Delta Harbour representative.
Just give us a call at 1-877-323-GOLD (4653) and we can sell your metals within the same day in most cases.
You will typically receive your funds within 2 business days.
Delta Harbour works with some of the finest bullion storage facilities in the world giving our clients exclusive choices in some of the most beneficial locations in the world including:
- Toronto, Canada
- Calgary, Canada
- Vancouver, Canada
- Delaware, U.S.
- Las Vegas, U.S.
- Salt Lake, U.S.
- Grand Cayman Island, Cayman Islands
- Zürich, Switzerland
Each facility will include its own set of protocols standard security features and insurance coverage for all of your bullion products.
We encourage all clients to explore their options and to ask about their storage options to find out what might be the best option for them.
Storage starts at 1% of the total metal value (TMV) per annum, charged on a monthly basis for locations in Canada and the USA. Please contact us if you wish to explore storage in other jurisdictions.
For example, if you have $10,000 in precious metals, your costs would be approximately $25/quarter or $100 per year.
* Storage rates are subject to change and flucuate based on the total metal value of your holdings.
You own the product 100%. Neither Delta Harbour, nor the storage facility have any claim on your holdings. It is stored in your name and segregated from other Delta Harbour clients and inventory.
All accounts at Delta Harbour offer direct home delivery or pickup from the vault.
You can pick up the metals in person at the vault, but if you wish to have them delivered to you shipping costs will apply.
Wholesale Bullion is the quickest and most cost-effective way to own physical Gold, Silver, Platinum, and Palladium at wholesale prices fully allocated to you. Instead of choosing a specific bar or coin and paying the associated premiums, wholesale bullion clients can simply choose silver, gold, palladium or platinum an save up to 75% of the bullion premiums by simply having a shared fully allocated portion of the bullion product of their choice!
- Buy and sell in worldwide markets, plus the ability to place stop orders
- Take delivery of your product at any of our storage partners
- Store and diversify at independent, insured, and secure depositories worldwide
- Trade in 1-Oz increments at wholesale prices and have instant liquidity of your product
For more info please feel free to watch our YouTube video on wholesale bullion.
Wholesale Bullion Video
- E-Transfer (email@example.com)
- Online Bill Payment (Add Delta Harbour Assets as a payee in your online banking)
- Wire Transfer
- Cheque/Money Order/Cashier’s Cheque (5 day hold)
Just like you can pay your cell phone bill in your online banking, you can also pay for your online orders from Delta Harbour Assets.
We accept bill payments from RBC, CIBC, TD, Scotiabank, National Bank of Canada, and most credit untions.
To pay through your online banking, login to your account and go to the Pay Bills section. Add "Delta Harbour Assets Inc." as a payee, and enter the Customer ID on your invoice.
Once we have been added, you can proceed to make a payment.
If you need any help with this process, click on the chat link at the bottom right of this page, call us at 1-877-323-GOLD (4653), or email firstname.lastname@example.org.
If you wish to pay Delta Harbour Assets with a wire transfer, we will send you an invoice with our banking instructions that you can show your bank. They will send us a wire transfer on your behalf if you go into your local branch.
About Precious Metals
You have many choices when you’re acquiring precious metals. From the kind of metal you buy to where you buy it, the array of options can be dizzying. Let Delta Harbour do the work for you by comparing and contrasting these 4 metals—with just the facts—to help you make the right decision for your portfolio.
Gold vs. Silver
Gold is the largest market of all 4 metals. Some even refer to it as Silver’s “Big Sibling”. By trade volume Gold holds the title as the “king of metals” for its daily trade volume around the world. However, Silver is also a standout member of the precious metals sector. Both metals are beneficial as portfolio boosters and for their physical properties.
In terms of their practical applications, both metals have had a renaissance of sorts and are now used in many ways from profit and beauty to medical and industry.
Gold can be found in:
- Memory chips
- Electronic components
- Specialized glass
- Athletic awards
- Military applications
- High-end electronics
Silver, unlike Gold has been inexpensive for so long that it has experienced a major growth in its usages. It can be found in:
- Solar panels
- Electronic devices (almost all of them!)
- Nuclear rods
- Glass coatings
- Engine bearings
- Water filtration systems
- Athletic awards
- Wood preservation
- Military applications
Along with their usages—in bar and coin form, for instance—both Gold and Silver hold unique financial properties as stores of wealth and hedges against inflation, as “safe-haven” assets.
However, Silver costs far less than Gold. As of February of 2023 the ratio between the price of Gold and that of Silver is in the range of 85:1, meaning it takes roughly 85 ounces of Silver to equate to the value of 1 ounce of Gold.
Since 2000 Gold has risen from approximately an average price of $280 to an average price now in 2023 of approximately $1850 or a rise of about 560%.
While Gold has had a tremendous move forward Silver has also kept pace rising from an average price of approximately $4.75 to an average price in 2023 of approximately $21.50 or a rise of some 352%.
The long-term prices of both Gold and Silver have increased rapidly, contributing to their important place in portfolios. Interested buyers use the Gold-to-Silver ratio as a timing indicator to help them decide when to buy Gold or Silver or which metal to buy at any given time. Currently the overall average ratio since 2000 is approximately 60:1 but more recently as mentioned above that ratio has risen much higher, meaning Silver could be an absolute bargain at this point in time according to the ratio.
Gold vs. Platinum
Like Silver, Platinum offers some of the same physical benefits as Gold. Platinum is used in jewelry, particularly engagement and wedding rings, as well as by the electronics, medical, automotive, and chemical industries. It is known as the least reactive metal also known to man and Platinum tends to be more industrially useful than Gold; plus, it’s scarcer.
Platinum is also far more difficult to extract than Gold when it comes to mining the product which can offer a glimpse in to part of the reason why prices remain higher for the white metal.
As financial assets, both Platinum and Gold can act as safe havens, hedges against inflation, and protections against market volatility. According to the World Platinum Investment Council, financial demand for Platinum totaled 8,060 ounces in 2019, up 11% from the previous year.
In pricing terms, Gold currently costs more than Platinum. Whereas the price of Gold sits near $1,850 in early 2023, the price of Platinum was averaging around $950. No matter the price, both Gold and Platinum can be considered by some to be solid components of a well-diversified portfolio.
2022 was an interesting year as many pundits and supporters of Platinum noted that while prices for Gold are positioned for growth, Platinum could be poised for even more significant gains. Part of the recent allure of Platinum is that it has been trading at an all-time discount versus Gold.
Gold vs. Palladium
As of early 2023, Palladium is no longer the highest-priced precious metal on the market. While the price of Gold is averaging in the $1,850 range, the price of Palladium has fallen below $1500 and has presented itself as a tremendous buying oppurtunity over the past year.
Palladium, like Gold, Silver and Platinum, also has a number of both industrial usages as well as the same store of wealth value for owners. It can be found predominantly in catalytic converters the world over, as well as in jewelry, electronics, and dental products. Palladium is a by-product of Platinum and Nickel, and it purifies hydrogen.
One question asked frequently is why does Palladium cost more than Gold? It’s pretty easy: Demand historically has exceeded supply.
Delta Harbour’s own co-owner Darren V Long made a call to start buying Palladium and making it available for clients back in 2006 when the price was still under $200.
Its status as a by-product to Platinum or Nickel mining means producers aren’t quick to respond to price changes and output is projected to fall short of demand for a eleventh straight year in 2022.
Other than some similar applications, Palladium and Gold also are alike in terms of their ability to be hedges against inflation as safe havens and stores of wealth.
Delta Harbour Gold, Silver, Platinum and Palladium products come from the finest suppliers in the world. Our experience of over 16 years in this business has taught us the ins and outs of the way in which bullion and coins are handled the world over.
The finest bullion and coins are often referred to as “LBMA” certified. This means that the London Bullion Market Association, the oldest standing precious metals exchange in the world today, has certified our products as Good Delivery products. Gold and Silver refiners who are accredited by the LBMA must produce bars which satisfy high standards in terms of purity, quality and physical appearance.
Whether it is the Royal Canadian, US, Australian or British Mints, or the top tier fabrication companies such as Asahi, Valcambi, PAMP or Argor-Heraeus, we have maintained this approach for our clients to provide product which is meeting or exceeding the following criteria:
- Purity levels of .999 or higher in Silver, .999 or higher in Gold, .995 or higher in Palladium and .995 or higher in Platinum.
- Consistent weight in all product forms including bars and coins
- Chain of integrity which assures our provisional inventories are always derived from trusted sources and countries
- A consistent look and feel in all coins and bar types
Whether it is the Royal Canadian, US, Australian or British Mints, or the top tier fabrication companies such as Asahi, Valcambi, PAMP or Argor-Heraeus, we only sell products that are meeting or exceeding the following criteria:
- Purity levels of .999 or higher in Silver, .999 or higher in Gold, .995 or higher in Palladium and .995 or higher in Platinum.
- Consistent weight in all product forms including bars and coins.
- Chain of integrity which assures our provisional inventories are always derived from trusted sources and countries.
- A consistent look and feel in all coins and bar types.
The finest bullion and coins are often referred to as “LBMA” certified. This means that the London Bullion Market Association, the oldest standing precious metals exchange in the world today, has certified only certain products as Good Delivery products.
Gold and Silver refiners who are accredited by the LBMA must produce bars which satisfy high standards in terms of purity, quality and physical appearance.
Buying gold and silver is as easy as 1-2-3. Simply choose the type of account you would like below to get started.
- Direct Delivery - Buy your product and take it home.
- Vaulted Storage - Buy your product and have it stored for ease of liquidity and to keep it insured.
- Registered Accounts - Buy your product inside your RRSP, TFSA, LIRA or other Registered Account types.
- Wholesale Bullion - Buy your bullion in 1 Oz increments through the PMI/Delta Harbour bulk custody program. All wholesale bullion is available for immediate delivery, and is offered at a much lower cost than fully segregated product. It is also eligible for access to a line of credit (Up to 80%) using the product as collateral (no additional collateral required).
Compare Account Options