For today, November 13, 2026, nesto’s 5-year fixed mortgage rate is 73 bps (0.73%) lower than the similar average at Canada’s Big 6 Banks. On a $500,000 mortgage over a 25-year amortization, with nesto your monthly payment would be $2,750.71, saving you up to $205.89 on your monthly payment. This equals $12,353.40 in interest saved while also paying down an extra $5,166.15 on principal over your term, if you prefer.