nesto mortgage rates
nesto's lowest 5-year fixed rate on its own website was 4.59% (insured) when we read it on Nov 1, 2026. Its lowest variable was 3.66%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial. nesto's prime rate is 4.70%.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 2-year | 5.09% insured | — | — | $2,933.69 | — |
| 3-year | 4.54% insured | — | — | $2,778.49 | — |
| 4-year | 4.79% insured | — | — | $2,848.54 | — |
| 5-year | 4.59% insured | — | — | $2,792.44 | — |
| 7-year | 6.69% insured | — | — | $3,406.91 | — |
| 10-year | 8.24% insured | — | — | $3,892.93 | — |
| nesto 5-yr | 4.59%read Nov 1, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.34% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,723.07 → $2,792.44 |
| Interest difference over 5 years | $5,985 |
Open this example in the calculator →Computed Nov 2, 2026.
All nesto rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 2-year | Fixed | Insured | special | 5.09% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 3-year | Variable | Insured | special | 3.85% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 3-year | Fixed | Insured | special | 4.54% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 4-year | Fixed | Insured | special | 4.79% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 5-year | Variable | Insured | special | 3.66% prime − 1.04 | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 5-year | Fixed | Insured | special | 4.59% | Page: 'The best mortgage rates in Canada right now, as of Thursday, October 29, 2026, are the lowest insured rates nesto offers on each term.' 'Our lowest advertised rates apply… | page as of Oct 29, 2026 |
| 7-year | Fixed | Insured | special | 6.69% | ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now,… | page as of Oct 29, 2026 |
| 10-year | Fixed | Insured | special | 8.24% | ANOMALY flag: insured 7/10-yr figures are well above the page's Big 6 average for those terms; recorded exactly as displayed. Page: 'The best mortgage rates in Canada right now,… | page as of Oct 29, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find nesto's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a nesto posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Digital lender lending in AB, BC, ON, QC. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
Only nesto's headline insured rates could be read; its full table (including uninsured rates) loads with JavaScript. nesto's 'Big 6 Bank average' figures describe other lenders and aren't recorded.
MortgageRateToday.ca isn't affiliated with nesto and isn't paid by any lender.
Frequently asked questions
What is nesto's 5-year fixed mortgage rate?
On Nov 2, 2026, nesto's own website showed 4.59% (insured) for a 5-year fixed. Rates change often; check the lender's page.
What is nesto's variable mortgage rate?
The lowest closed variable rate on its page was 3.66% (prime − 1.04) for a 5-year term, with nesto's prime at 4.70%.