nesto Mortgage Rates

Compare current nesto mortgage rates in Canada

Canada's digital mortgage lender with guaranteed low rates.

By Andrew · Last reviewed October 15, 2026Sources: the lender’s public rate pages, collected into the table on this page. Confirm the contract rate, fees, and eligibility with the lender before you apply.

Term	Fixed Insured	Fixed Uninsured	Variable Insured	Variable Uninsured
5 years	4.59%	5.09%	3.41%	3.91%

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

5 years

2 options

Best Rate

Insured0-65%

4.59%

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Uninsured65-80%

5.09%

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Variable Rate Mortgages

Rates change with the prime rate

5 years

2 options

Best Rate

Insured0-65%

3.41%

Get This Rate

Uninsured65-80%

3.91%

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Mortgage Negotiation Guide

Negotiating your rate could save thousands, depending on your mortgage.

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Head-to-head comparisons

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About nesto

nesto is Canada's pioneering online mortgage lender, using AI-powered algorithms to deliver the lowest mortgage rates upfront — with no commissions and no bias. Since launching, nesto has helped over 450,000 Canadians secure financing through a fully digital, streamlined experience. Their Low Mortgage Rate Guarantee ensures you get the best possible rate from day one, backed by a team of 300+ licensed mortgage experts. nesto offers fixed and variable mortgages, 150-day rate holds, and an end-to-end online application process that eliminates paperwork and branch visits. For tech-savvy homebuyers seeking transparency and speed, nesto is a top choice.

Compare nesto on the same term and insured vs uninsured label as other digital channels, including Wealthsimple mortgage rates, then check the 5-year fixed and variable hubs. Use the live table on this page as the number source.