A-lender monolines

IG Wealth Management mortgage review — a broker's perspective

Investors Group — major Canadian wealth manager offering mortgage products to existing wealth clients. Bundled mortgage + investment + insurance pricing for affluent borrowers. Power Corporation–owned.

Founded: Founded 1926
Headquarters: Winnipeg, MB
Products: 3 product types
Tier: A-lender monolines
Broker licence: FSRA #13737 broker

Start Pre-Approval See live rates 4.9 ★★★★★ Google IG Wealth Management website

Reviewed by Mortgage Squad Advisors Editorial Team · Licensed Mortgage Advisors · Reviewed by the Principal Broker

FSRA Brokerage #13737 · 15+ years · Last reviewed May 13, 2026

Where IG Wealth Management stands out

Who is IG Wealth Management good for?

IG Wealth Management suits rate-sensitive borrowers wanting 10-25 bps below Big-6 and insured first-time buyer files with full doc. It is strongest on: Wealth-management bundled pricing, Affluent borrower files, Power Corp backing, Financial-planning integration.

Strong fit for

Rate-sensitive borrowers wanting 10-25 bps below Big-6
Insured first-time buyer files with full doc
Insurable transfers from a Big-6 at renewal
Borrowers comfortable with broker-only access (no branch)

Probably not the right fit if

Borrowers who require in-branch service
Files with non-standard income (most monolines stick to clean files)
Newcomers without 3+ months Canadian credit history
Complex refinances needing in-person review

Not sure where your file fits? Start a free pre-qualification and we’ll check your fit across 99+ lenders — no credit check to begin.

Overview

What kind of lender is IG Wealth Management?

IG Wealth Management sits within the a-lender monolines tier of Canada's mortgage market. Broker-channel non-bank funders. Typically 10-25 bps below the Big-6 on insured + insurable purchases.

Working across 99+ Canadian lenders, our brokerage knows IG Wealth Management's underwriting appetite — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. IG Wealth Management is broker-channel only, meaning the only way to access their rate sheet is through a licensed mortgage brokerage like ours.

Live rate context

IG Wealth Management rate context — May 13, 2026

We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets). Here is today's market context for a-lender monolines pricing. Your exact IG Wealth Management rate depends on your file, term and insurance.

5-yr fixed (insured)

3.94%

5-yr variable (insured)

3.55% (Prime −0.90%)

5-yr fixed (conv.)

4.59%

Prime

4.45%

Full live rate board Get your exact rate

Product menu

What mortgages does IG Wealth Management offer?

IG Wealth Management funds 3 mortgage types. We can access its full broker-channel menu.

Purchase
Refinance
HELOC

First-time buyer Refinance HELOC

Bank direct vs broker channel

Should you go to IG Wealth Management directly or use a broker?

IG Wealth Management sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of IG Wealth Management. We’re an independent FSRA-licensed brokerage that sends your file to IG Wealth Management when it’s the best fit — and to a different lender when it’s not.

Going direct to IG Wealth Management vs. through us

Aspect	Direct with IG Wealth Management	Through Mortgage Squad Advisors
Rate sheet	Broker-channel only — no direct retail access	Direct broker-channel access — our day-one cost
Lenders shopped	Just IG Wealth Management	99+ lenders incl. IG Wealth Management
If declined	Application ends; reapply elsewhere	Re-route to next-best lender same day
Cost to borrower	$0 — bank pays its own staff	$0 — lender pays our compensation
Underwriting strategy	IG Wealth Management's lens only	We structure your file to IG Wealth Management's preferences before submission
Renewal benchmarking	IG Wealth Management sends a single offer; you accept or counter	We benchmark across 99+ lenders 120 days before renewal

Same IG Wealth Management loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.

How we work with IG Wealth Management

Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
Match
We compare your file with 99+ lenders, not just IG Wealth Management. If IG Wealth Management fits best, we go there.
Submit
We send a full package to IG Wealth Management's broker desk, set up the way their underwriters like it.
Funding
Approval, conditions, lawyer, funding. We manage every step.

Alternatives

Other a-lender monolines we shop alongside IG Wealth Management

Same tier, often similar rates. We compare IG Wealth Management with these every time.

MCAP

Aggressive insured pricing

First National

Prime insured pricing

RFA Mortgage Corporation

Prime A-lender pricing

Merix Financial

30-yr amort on uninsured

CMLS Financial

CMHC MLI Select multifamily

Strive Capital

Insured A-lender pricing

By city

IG Wealth Management mortgage broker — major Canadian cities

We place IG Wealth Management files across Canada. Pick your city for local market context.

Toronto Vaughan Mississauga Brampton Markham Oakville Richmond Hill Burlington

Don’t see your city? Browse all Canadian markets — we lend nationally.

FAQ

IG Wealth Management — common questions

Don’t see yours? Ask Maya.

What are IG Wealth Management's current mortgage rates in Canada?

IG Wealth Management's rates change daily and are channel-specific — branch rates differ from broker-channel rates. As a brokerage we access IG Wealth Management's broker-channel sheet, typically 15-30 bps below their walk-in rate. Our live rate board (last reviewed May 13, 2026) shows current best-in-network across 99+ lenders. See our live rate board.

How do I qualify for a mortgage with IG Wealth Management?

Standard Canadian qualifying: 5%+ down (under 20% requires CMHC/Sagen/Canada Guaranty default insurance), OSFI B-20 stress test at the higher of contract rate + 2% or 5.25%, GDS ≤ 39% and TDS ≤ 44%. IG Wealth Management's underwriting has specific preferences we know from working with them — we'll tell you whether your file is a strong fit before submitting.

Is IG Wealth Management a good mortgage lender?

IG Wealth Management is genuinely strong on: Wealth-management bundled pricing, Affluent borrower files, Power Corp backing. As your broker we evaluate IG Wealth Management against 99+ other Canadian lenders for your specific file — sometimes they're the best fit, sometimes a different lender is. The honest answer depends on your file profile, not the lender's marketing.

Can I switch to IG Wealth Management at renewal?

Yes, if your file qualifies. A transfer-in at renewal typically costs you $0 — IG Wealth Management covers the discharge fee from your old lender and the appraisal as a transfer incentive. We benchmark IG Wealth Management's offer against your existing lender's renewal rate and the broader market 6 months before renewal so the switch (or stay) is timed properly.

Does IG Wealth Management work with self-employed borrowers?

IG Wealth Management focuses on standard A-lender files. For self-employed borrowers we'd typically place at a specialty BFS lender (Home Trust, Equitable, RFA, Haventree) and refinance to IG Wealth Management once 2 clean NOAs accumulate. See our self-employed mortgages.

How long does IG Wealth Management take to approve a mortgage?

IG Wealth Management's commitment turnaround on a clean broker-channel file is typically 24-72 hours from submission. Complex files (BFS, foreign income, atypical down payment) can take 5-10 business days. Conditional approval to funding is usually 14-30 days depending on appraisal, lawyer, and conditions.

What's the difference between IG Wealth Management branch rates and broker rates?

IG Wealth Management is broker-channel only — they do not sell mortgages direct to the public, so there is no retail rate to compare against. Their entire pricing comes through licensed brokers.

Does IG Wealth Management offer pre-approvals?

Yes — IG Wealth Management, like all major Canadian lenders, offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to IG Wealth Management for a real underwritten pre-approval, not just a soft rate-hold. This means if rates rise you're locked, and if they fall most lenders honour the lower rate. Start your pre-approval here.

What prepayment privileges does IG Wealth Management offer?

Most major Canadian lenders including IG Wealth Management offer 15-20% annual lump-sum prepayment plus 15-20% payment-increase privileges per anniversary year. The exact privilege depends on the specific product family (insured/insurable/conventional) and term selected. We disclose the privileges and IRD calculation method up front so you know your exit cost before you sign.

What if IG Wealth Management declines my mortgage application?

As a broker we don't single-submit — if IG Wealth Management declines, we have 98+ other lender options across A-tier, alt-A, MIC, and private. We'll diagnose the decline reason (credit, income, LTV, property type, beacon), fix what's fixable, and re-strategize. A bank decline ends your bank application; with us, it's one route taken off the map and we pivot.

Pillar guides relevant to IG Wealth Management files

The First-Time Buyer Roadmap

Our most comprehensive first-time-buyer guide. Pre-approval to closing day, the FHSA + RRSP Home Buyers' Plan stack, 30-year insured amortization for first-time buyers, the stress test in plain English, and closing-day costs.

The Refinance Decision Framework

Refinancing isn't always a win. This guide gives you the break-even method we use: penalty + fees vs. monthly savings, with three illustrative scenarios (rate drop, debt consolidation, equity take-out).

Related lenders

Same broker. Different lender appetite.

Meridian Credit Union Vancity Desjardins Alterna Savings

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Editorial commitment

This page is an editorial profile written from our brokerage’s perspective. We are not employed by IG Wealth Management and receive no payment from IG Wealth Management for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.

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