You need more than just a mortgage.

You need a mortgage strategy integrated into your financial plan.

Get up to $2500 cash back when you switch your mortgage to IG.

Switching mortgages is now even easier.  When you switch your mortgage to IG, you could get up to $2,500 cash back to cover legal, appraisal and discharge costs. Terms and conditions below.

Contact us to learn more

Get a mortgage strategy that's designed for you and your goals

Decisions you make regarding your mortgage today can have impacts on your financial situation now and into the long term. Integrating a mortgage strategy into your financial plan can give you the confidence that you’re making the right decisions to keep you on track to reach your short and long-term goals.   

Discover the difference an IG mortgage strategy makes

Our focus is to provide you with a mortgage strategy that can help simplify your life and help you reach your financial goals faster.

Here’s how an IG mortgage is different:  

A combination of expertise

You get the benefit of both a mortgage advisor and a financial advisor working to bring you the best mortgage strategy for your financial plan.

A seamless experience

Our fast, easy and transparent application process makes switching mortgages smooth and stress-free.

With you for the long term

We’re committed to providing you with financial expertise over your whole lifetime, not just your mortgage term.

IG’s fast, seamless and transparent mortgage journey

Connect with your Advisor

Contact your IG Advisor to discuss your mortgage needs and review your plan.

Our experts work on it for you

Your IG Advisor and mortgage advisor will work together to integrate your mortgage into your financial plan.

We consider your financial plan

Your mortgage advisor will recommend the best mortgage to suit your situation and financial plan.

You get the best mortgage for you

Your IG Advisor and mortgage advisor will work closely with you to discover the best mortgage term, structure and rate.

Your mortgage is approved

Final approval is delivered, and you buy your new home or renew/refinance your mortgage.

We keep track of it

Your IG Advisor periodically monitors your mortgage to ensure it still fits in with your financial plan and evolving needs.

Easy to use mortgage calculators

Our calculators will help you work out how much of a mortgage you can afford, mortgage payments and the cost of switching lenders.

Mortgage FAQs

Mortgage insights, tips and strategies

Fixed vs. variable mortgage rates:
which one should you choose?

We explore the myth that it’s better to take
a fixed over a variable mortgage and how to
choose the best option for you.

Read more

What is a collateral mortgage?

We shed light on this common but little-understood
mortgage option and share what you need to know
before you sign up for one.

Read more

How to get a mortgage pre-approval

It’s essential to know how much mortgage you’ll
qualify for, but you also need a mortgage approval
you can rely on.

Read more

What is a debt consolidation mortgage?
And is it right for you?

A debt consolidation mortgage can reduce
debt payments and interest charges, but does
it make sense for your financial plan?

Read more

Sign up for a mortgage strategy

Connect with an IG Advisor to discuss a mortgage that’s tailor-made for your needs and your financial plan.

Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company, and brokered by nesto Inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #202507230; Mortgage Brokerage Firm Quebec #605058; British Columbia, Alberta, Manitoba, Newfoundland/Labrador, PEI, Yukon, Nunavut, Northwest Territories.

*In Ontario, a mortgage agent, and in New Brunswick and Nova Scotia, a mortgage broker or a mortgage associate.

*In Quebec, a mutual fund representative.

Mortgage advisors are licensed professionals and equivalent to the following titles per province: Sub Mortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta, Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent/Mortgage Broker in Ontario, Mortgage Broker in Quebec, Mortgage Associate/Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia, or Mortgage Broker in Newfoundland & Labrador.

When you switch your Eligible Mortgage (as defined below) to Investors Group Trust Co. Ltd. (“IG”), you may be eligible for up to $2,500 CAD cash back on Eligible Costs (as defined below), subject to the following Terms and Conditions:

Eligible Mortgage:

An Eligible Mortgage is subject to IG’s standard credit approval processes. In addition to approval based on standard lending criteria, you must transfer an existing mortgage to IG and it must satisfy all of the following criteria:

  • Minimum mortgage principal loan amount of $150,000 CAD (new funds not required);
  • Must be a 3 Year Fixed, 4 Year Fixed, or 5 Year Fixed mortgage; OR 5 Year Adjustable-Rate Adjustable Payment mortgage;
  • Must be a first ranking residential mortgage;
  • Mortgage can include a HELOC, but transfer of a standalone HELOC does not qualify as an Eligible Mortgage; and
  • Mortgage must be for the same property.

* New mortgages, renewals and IG mortgage refinances are not eligible for the Offer.

Eligible Costs:

  • The amount of Eligible Costs you may be reimbursed for depends on the province in which you reside, and your actual appraisal, title insurance and discharge costs.
  • Below are the maximum reimbursement amounts for each component of the Offer that you may receive if you satisfy the Terms and Conditions:
    • Appraisal Costs: Up to $500 CAD for obtaining an appraisal of the property subject to the Eligible Mortgage by a licensed appraiser.
    • FCT Insurance Costs (which includes some legal costs): Up to $950 CAD for costs related to obtaining title insurance with FCT Insurance Company Ltd. If there is a HELOC in addition to the Eligible Mortgage, up to $715 CAD for costs related to obtaining title insurance with FCT Insurance Company Ltd.
    • Discharge Costs: Up to $300 CAD. There is no Cash Back for discharge costs in Alberta and Quebec.

*The Offer does not include any applicable prepayment charges (also known as breakage fees) that you may be required to pay to transfer your mortgage to IG.

Other Terms:

  • You must maintain your mortgage for the duration of the term you are approved for, otherwise, you will be required to reimburse a portion of the Eligible Costs received, in proportion to the term remaining.
  • Limit 1 Offer per individual Eligible Mortgage.
  • The Offer may be modified, extended, or withdrawn without prior notice at any time.
  • The Offer may not be combined or used with any other IG offer, promotion, or benefit, other than the ones mentioned here, and cannot be applied retroactively.
  • There may be tax implications to the Offer. If you require tax advice, please contact your personal tax advisor.