nesto mortgages Opiniões 

I have dealt with Nesto a few times in the last 5 or so years. They now hold our mortgage and we just arranged a HELOC which will allow us to tackle a few new projects. Everyone has been amazing, especially Louis, Navraj, Selvina, and Eliane. Highly recommend.

The sales team at Nesto was professional, responsive, and helpful throughout the initial stages of the mortgage process. Unfortunately, my experience with their compliance and underwriting team was extremely frustrating.

I am a small business owner, and I was repeatedly told that my file was more complex because I am self-employed. While I understand that self-employed borrowers require additional documentation, the process felt disorganized and inefficient. Over the course of nearly 70 emails, I was repeatedly asked for documents and explanations that had already been provided. It often seemed as though submitted files were not being reviewed carefully before further requests were sent.

Nesto promotes a best-in-class online portal, but after the initial intake process, most communication occurred through lengthy email chains. Documents were submitted multiple times, explanations had to be repeated, and requests frequently resurfaced as though previous communications had not been reviewed.

Mortgage underwriting is naturally detailed, and I expected to provide extensive documentation. My frustration was not with the requirements themselves, but with the apparent lack of coordination and the difficulty the team seemed to have processing a self-employed applicant's file efficiently. The experience created significant and unnecessary stress during a time-sensitive home purchase.

Based on my experience, I would not recommend Nesto, particularly to other self-employed business owners seeking a smooth and organized mortgage process.

Working with Nav and Jeff was honestly such a reassuring experience during what could have been a very stressful process. When I was struggling to find hope with securing funding, they stepped in with confidence, professionalism, and genuine care.

Their attention to detail was exceptional — they took the time to thoroughly review every part of my application and ensured nothing was overlooked. They were incredibly patient throughout the process, always willing to answer questions, explain next steps clearly, and provide guidance whenever needed.

What stood out most was their communication and reassurance. They kept me informed every step of the way and made me feel supported during moments of uncertainty. Their responsiveness, knowledge, and dedication truly made all the difference.

I’m extremely grateful for their hard work and would highly recommend Nav and Jeff to anyone looking for a mortgage team that is knowledgeable, trustworthy, attentive, and genuinely invested in helping their clients succeed.

Slow response times, if I get one at all, had to ask several times to get a renewal completed for the date. I don't know what's going on there, the staff always apologize but they sure seem stressed out.
Edit after nesto response. One of your employees said to move my mortgage, they didn't want to tell me about why. My mortgage is moved.

We received an amazing service from Olivier Filion at Nesto. This was our 2nd mortgage with him. When saw our dream house online, we knew it would sell fast so we had to act quick. An hour later we were on the phone with Olivier, had our prequalification and were able to make our offer the same day. The next steps went super smoothly and Olivier and his team went above and beyond to make sure everything would be on time. Thank you Olivier ! Sam and Catherine

Bon conseillers.
Service rapide et courtois.
Explications claires et détaillées.
Je recommande fortement.
Merci Clarisse et Yannick pour votre excellent service.

This is our second time using Nesto. Karun Khanna helped us switch lenders for a better 3-year rate, making the process smooth and professional.
Despite my initial nerves about using a digital broker, the service was excellent both times. Highly recommended for great rates and support.

Have been trying to get in touch with this company for over 2 weeks after I was told they would contact me within 48 hours. My mortgage was renewed last year and upon receiving my annual statement I see another persons name on it joint with myself and not my late husbands estate. We will be going to governing authorities here in Ontario to gain further guidance and seeing legal counsel advice. If you haven’t signed in the dotted line I would take your business to a bank where you can physically sit with someone when something like this goes bad.

I had the pleasure of having Jeff as my mortgage specialist. I have bought a house before this and what I can say about this experience is it didn’t just feel like another transaction. Jeff was there for me through every step and checked in on everything. Way more smoother than a bank and actually felt appreciated and not transactional. Another mortgage specialist named Eliana was there to help with all my documents as my case manager as a little special. I appreciate all the time they took in helping with my mortgage and highly suggest them to anyone in the future

While everything may seem promising at the beginning, NESTO often appear willing to offer you everything regardless of how strong your credit is or how much equity and assets you have. However, their focus is not on financially stable clients; instead, they tend to target individuals who are on the edge but able to pay last dollar they have, as these clients are more likely to accept higher interest rates.

The moment they realize you are exploring other options, especially if you have good credit, they may close your file, often providing unreasonable or unclear excuses. This typically happens because they do not see the opportunity for maximum profit.

It is important not to rely on a single lender. Consider working with multiple mortgage brokers or Banks to compare options. Keep in mind, NESTO are not miracle workers, but rather businesses focused on generating profit.

Worst service ever . Staff are all novice in the bussiness with little or no experience. They are a waste of time

We are very happy so far with Nesto, the process has been so easy and they give very clear instructions. I have dealt with both Joe and Nav, and have only great things to say about the experience!! I love how things progressed so smoothly and quickly. Not easy to get great customer service most days, so I appreciate how Joe and Nav were both always available and had the answers right away! Awesome Experience

Unfortunately a very very poor experience. I submitted every document they required and because my renewal was up in the same month they wouldn't even entertain the idea of submitting an application. The agent on the phone cut me off several times and when I asked if we could just try and see if a response would coming back in time. She flat out told me no and that she wouldn't. It's not worth her time. Very disappointed

Starts right when you go to their site and it runs you through a questionnaire after which you’ll see your rate. You finish all your steps then they want your phone number and all contact info to show you the rate. Just collecting information. Seems like a scam.

Great staff, was nice having one person of contact to walk me through the process. Great only system and great rates

had a great experience with nesto from start to finish. The process was clear, well organized, and much easier than I expected. I was especially happy to get the best rate available, which made a big difference for me.

My advisor, Karun, was amazing,knowledgeable, responsive, and always took the time to explain things clearly and answer my questions. I never felt rushed or pressured, and communication was excellent throughout. Overall, nesto made what can be a stressful process feel straightforward and manageable. I would absolutely recommend them.

I had an exceptional experience with nesto, and I highly recommend them to anyone looking for a competitive rate combined with elite service.

We were dealing with a complex mortgage file that included a legal name change and a specific paper trail for USD deposits. While other lenders might have struggled with these complexities, the team at nesto handled everything with total professionalism.

William Paulon was a fantastic advisor and advocate early on. He took the time to personally explain the lender's requirements and successfully negotiated more manageable closing conditions, which removed a massive amount of stress from our plate.

George Georgoulis then took the lead as our processor to bring us across the finish line. His attention to detail was incredible; he navigated the manual verification of our documents with precision and ensured our file was fully instructed for our Dec 30th closing, despite the tight holiday timeline.
The level of transparency, advocacy, and communication from both William and George turned a difficult process into a total success. If you want a lender that actually works for you and can handle unique situations effortlessly, nesto is the way to go!

My experience with Nesto was EXCELLENT. Thanks . Special for Jeff so the attention for give me solutions was GREAT. Jeff will be Manager soon
I honestly about this review. Nesto improved regarding employee.
First Jeff provided the information update, answer my question any time, provide the solution any problem. I think Jeff is the best Nesto Employee. Congrats to Nesto for have the employee lake him. THANKS Jeff, THANKS Nesto.

Elischa was extremely communicative and responded very quickly. He explained everything clearly and concisely and answered any and all questions that I had. The process was extremely smooth and easy and an overall great experience.

I really enjoyed my experience with Nesto! Jeffrey Liu helped me so much as a first time home buyer! I felt support and was able to get my mortgage approved quickly and easily. I absolutely recommend!