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Lowest rate, responsive customer service from knowledgeable staff. Easy to use portal for secure document submission. Promotional offers to offset the fees associated with switching lenders. Made the renewal process easy and cost effective.

I had been having a terrible experience with my "big bank" as I needed to weigh options to sell and buy new or renew my existing mortgage. The bank was just far too siloed to be able to provide analysis and just wanted to sell me a product.

A friend recommended Nesto and Jean-Pierre and he was able to help me break down the options and make a decision.

I would highly recommend!

When my bank advisor was incapable of understanding that my net pay is not my gross pay, and then proceeded to take three weeks to get the ball rolling on a mortgage - I gave up on them. Juan was fantastic to work with, was able to get things rolling in an afternoon. When droof of documents was becoming arduous, Juan stepped up and was able to guide me through several things to get final approval. Stephanie was also great to deal with, even if I was hard to deal with because I was stressed out of my mind. I simply will not be going back to my bank for a mortgage.

Communication is really easy. Karun.khanna is best broker. He helped me with mortgage and his guidance helped me with everything. Lastly no one can beat their rates
Thanks Nesto

I went through Karun Khanna and he's probably the most helpful customer service representative that I've ever had. He walked me through the pros/cons very well, and got back to my questions and phone calls very quickly. I'm saving thousands of dollars in interest charges by going through nesto

Fantastic Mortgage Broker Experience

We had a great experience working with Elischa at Nesto. He made the mortgage process simple and stress-free, guiding us through every step with clear communication and expert advice. He found us a great rate and tailored everything to our needs. Highly professional, responsive, and genuinely helpful — we’d recommend Elischa at Nesto to anyone

I was feeling overwhelmed by the process and was going to cave and stay with my banks mediocre rate but Jonathan L was the perfect amount of persistence and convinced me to go with Nesto. The entire process was seamless. I work in customer service and it was top notch. They work as a team and I had the pleasure to also have George and Anna taking care of me. If you are on the fence as I was, but are tempted by the rates- don’t hesitate. This company puts the client first. Thank you again Jonathan, George and Anna.

Super service, very easy process done all online. Quick access to the advisor who guided me through the process quickly. Deal was done very fast and all done online with e-signatures.

I worked with Juan Arciniegas and literally had the best financing experience ever! Juan went over and above anyone I have ever worked with to review my entire portfolio, provide fantastic advice, and come up with a solution that saved me a lot of money each month. 10/10 best mortgage broker ever. Highly recommend.

I recently bought a condo. I choose Nesto because of their rating and i do not regret it. Vincent and Alexander are very professional, patient and calm and they answered to all my questions.. It did not take long for me to get an answer. I will highly recommend Nesto to someone else

Elischa is a knowledgeable, transparent, friendly advisor who made me feel 100% comfortable in the process and confident in the information he was providing. I had never heard of Nesto and had done some preliminary research to try to get a feel for the company, but after my conversation with him, I feel 100% confident that Nesto is an excellent solution. He addressed every question, and I could tell he was being 100% honest. Through the conversation, I could tell that he had some significant experience and in our chat I learned that he had 16 years in the industry. Congratulations to you, Nesto for hiring experienced individuals to answer customers calls, as this is not necessarily been the case with the big banks. I work with 170 people, many of which are young people who are just getting their first homes and have many questions to us older colleagues. I would not hesitate for one moment to refer them to Nesto and specifically to Elischa. Thank you for a very positive experience.

Bonjour, Pour notre prêt hypothécaire nous avons fait affaire avec nesto! Une EXPÉRIENCE EXCEPTIONNELLE!!!! Une facilité exemplaire pour monter notre dossier et surtout toujours une réponse à toutes nos questions et dieu sait si nous en avons eu. Pour notre part, nous avons eu Annick Fortin (courtière hypothécaire sénior) et Alexander Rojas (spécialiste hypothécaire) comme intermédiaires et pour eux, c'est pas 5 étoiles que je leur mets mais 10. D'une gentillesse, d'une disponibilité et surtout d'un professionnalisme inégalable, avec eux pas de surprises, tout est clair en tout temps. Et toutes les démarches à faire n'ont vraiment pas pris de temps. Ils sont supers réactifs et ne vous laissent jamais sans réponse. Nous avons eu notre prêt à un taux excellent avec nesto. Nous recommandons sans hésiter nesto pour votre prêt hypothécaire. que du WOW! - Jennifer et Mathieu

I recently renewed my mortgage with Nesto and my mortgage broker was Jonathan Lesperance. My mortgage Specialits was Alexander Rojas. I had an attractive rate. Jonathan provided excellent advices, gave me a lot of informations to make sure that I unterstand everything well. I opted for a fix rate of 5 years. Jonathan was patient, he followed me in the process and was really respecful of my needs. All consultations have been followed by email and phone. I would recommend Jonathan and Alexander to any of my family and friends looking for a professional and fair mortgage experience. Thanks again Jonathan and Alexander.
Dania

Au renouvellement de mon hypothèque, étant déçu de se que m'offrait mon ancien prêteur ( Desjardins), je me suis tourné vers NESTO..... après avoir lu les commentaires des gens qui ont fait affaire chez NESTO, J'ai suivi mon intuition et j'ai aucun regret en effet, n'ayant aucune expérience sur les prêts hypothécaires en ligne, le gentil courtier Olivier m'a dirigé et conseillé tout au long du processus du début à la fin, un vrai charme... cela a été rapide et efficace, 2 jours et tout était prêt...restait juste a signer chez le notaire....wowwwwww...je recommande vivement NESTO a toute personnes qui veux un bon suivis sur leur renouvellement...un grand MERCI aux agents Olivier et Alexander !!

We recently renewed our mortgage with Nesto and our mortgage broker was Karun Khanna. Right from the time that my husband started investigating switching mortgage companies and finding an attractive rate, Karun provided excellent advice and a rate that was really fair to consumers and suited our needs. We opted for a variable with a six month discount. Karun has followed up immediately with any of our questions during the process and is quick to consult the rest of the Nesto team if necessary. All consultations have been followed up in writing. He really took the time and care to walk us through the whole process. He has shown that he really cares about his clients before, during and after the mortgage signing. We would recommend Karun to any of our family and friends looking for a professional and fair mortgage experience.
Dawson Pratt and Kathy Joynt

Greatly appreciated how promptly Karun was in answering all of my questions and in pursuing the best rate for us. It felt like a quick and seamless experience. Was devoid of stress, and we are now saving monthly all while paying if more principle. We’d go with them again for sure.

STAY AWAY from NESTO!! They have horrible customer service and are deceptive in their practices.
Here's my experience. I saw them advertise lower rates through Tangerine (Nesto is their affiliated partner), contacted them, and started the process of renewing my mortgage. The main cost of a renewal are the lawyer fees and disbursements, so these costs must outweigh any savings in interest rate for the upcoming term.
The Nesto representative indicated that there would be a reimbursement of up to $1200 for these fees and that most people get the full $1200, so the implication was that I should expect the full $1200 (I had perfect credit and all the income verification for the mortgage credit was top notch).
She then guided me through the process, sending me documents to sign to complete the mortgage renewal. I kept asking her for written confirmation of the $1200 rebate, but she kept delaying the response with excuses, implying that the $1200 rebate was an automatic certainty. Meanwhile I was incurring disbursement costs (home appraisal, $340, etc) and lawyer fees.
Towards the end of the process, she informed me that I would only be receiving a $500 rebate, not a $1200 rebate!! There was no reason given, other than the decision that was returned from the "rebate approval department" (they have some fancy name for this department, but it escapes me now).
This threw a wrench into my calculation on whether it was worth it to switch companies to renew my mortgage. It wasn't worth it, so I cancelled the application with Nesto and renewed with TD (my original mortgage lender). The Nesto mortgage broker caused me to waste almost $600 in lawyer fees and disbursements!! (I owed these even though I abandoned the application, because more than half the process had been completed)
Bottom line: THE NESTO BROKER DECEIVES PEOPLE INTO THINKING THEY WILL GET A REBATE THAT WILL OFFSET MOST OF THE LEGAL COSTS OF SWITCHING YOUR MORTGAGE!! THIS DECEPTIVE PRACTICE IS BOTH UNPROFESSIONAL AND MORALLY WRONG!! STAY AWAY FROM NESTO!!

Both Elischa Salazar and Alexander Rojas were excellent to deal with. Both were very knowledgeable and very quick to respond to enquiries and change requests.

Elischa Salazar knocked it through the park for us. It was our first home purchase, and Elischa guided us through the whole process. Also, to note he is very responsive and informative.

I felt like I was being honestly informed by experts that had my best interest at heart. They knew what they were talking about, were friendly, clear, trusting and FAST! I really appreciated working with nesto. They made my renewal experience far less daunting that I thought it would be.