Nesto NPS - nesto.ca

Bank of Canada Decreases Rate by 0.25%

View Impact

About Us
Get Started
About Us

nesto for Business

Testimonials

Careers

Canada Life

Privacy & Security
Security

Terms of Services

Privacy Policy

Complaints

Contact Us
General Inquiry

Give Us Feedback
Mortgage Rates
All mortgage rates
All mortgage rates

Cash-back rates

Special mortgage offers

Prime Time Mortgage
View all rates

Mortgage terms
3-year fixed rates

3-year variable rates

5-year fixed rates

5-year variable rates
View all terms

Mortgage types
First-time buyer

Mortgage renewal

Refinance rates

Repeat homebuyer

Purchase Plus Improvement

The nesto HELOC

Provincial rates
Ontario mortgage rates

Quebec mortgage rates

BC mortgage rates

Alberta mortgage rates
View all provinces

City rates
Toronto mortgage rates

Montreal mortgage rates

Calgary mortgage rates

Vancouver mortgage rates
View all cities

Bank of Canada
Bank of Canada Interest Rate

Bank of Canada Announcement

Prime Rate in Canada

BoC Bond Yield

Today’s Best Mortgage Rates

Variable rate 3.50^% 5-year variable* (Prime -0.95%)

Fixed rate 3.74^% 5-year fixed*

*Approval subject to high-ratio mortgage default insurance. Other conditions & restrictions apply. Rate in effect as of today. nesto Inc. Mortgage Brokerage: Alberta, Ontario #13044. Mortgage Broker: British Columbia #X300823. Mortgage Brokerage Firm: Quebec 605058.

Get your rate

No rates at the moment
Mortgage Calculators
All Mortgage Calculators
Payment calculator

Refinance calculator

Renewal calculator

Affordability calculator

Payment Shock Calculator
View all calculators

Calculator FAQ
How to calculate your mortgage payment

How much down payment do I need?

How much mortgage can I afford?

11 mins

How To Calculate Your Loan-to-Value (LTV) Ratio

Jan 13, 2025

12 mins

How to Refinance Your Mortgage in Canada

Apr 17, 2025
Learn
Tools
FAQ

Glossary

Industry Research

Articles

Guides

Browse nesto’s Expert Guides and Home Buying Resources in Canada. Get in-depth guidance…

Home Buying

Looking to buy a home in Canada? Browse nesto’s home-buying articles to read…

Mortgage Basics

Get back to the basics with informative guides from mortgage experts at nesto.ca.…

Loan Types

Browse guides on the types of mortgage loans & lines of credit available…

Guides

5 mins

The Bank of Canada Cuts Rate to 2.25%

The Bank of Canada lowered its overnight policy rate by 25 basis points to 2.25%…

Read now

17 mins

Mortgage Rates Forecast Canada 2025-2029

The Bank of Canada’s (BoC) most recent announcement, made on October 29th, 2025, was a…

Read now

8 mins

How to Choose a Mortgage Rate

Choosing the right mortgage rate is one of the most important decisions that you’ll need…

Read now

See all articles

Home Buying

7 mins

Types of Housing in Canada | Most Common Home Types

The word home has a distinct meaning for everyone. Canada is home to a diverse…

Read now

9 mins

How to Buy a Home in Canada

Homeownership is a milestone for many Canadians, providing housing stability and long-term investment potential. However,…

Read now

5 mins

Mortgage Stress Test Calculator Canada 2025

Navigating mortgage financing in Canada requires a clear understanding of the mortgage stress test. This…

Read now

See all articles

Mortgage Basics

7 mins

What Is a Mortgage? How Mortgages Work

Before the homebuying process can begin, it’s essential to understand what a mortgage is and…

Read now

9 mins

What Are Mortgage Terms and Amortization Periods?

Mortgage terms and amortization periods are two critical components of any mortgage in Canada. While…

Read now

11 mins

Income Needed to Get a Mortgage in Canada

The Bank of Canada’s recent rate adjustments have transformed housing affordability nationwide in today’s evolving…

Read now

See all articles

Loan Types

13 mins

What are Alternative Mortgage Lenders?

Securing a mortgage can be challenging for many prospective homeowners. Prime lenders, with their stringent…

Read now

8 mins

Fixed vs Variable Mortgage Rates

Buying a home is a significant financial commitment, and one of the first decisions you…

Read now

5 mins

A Lender vs B Lender Mortgages

In Canada, many types of mortgage lenders are available to meet a variety of needs.…

Read now

See all articles

Contact us

1-866-686-0544

Get a quote

Login

1-866-686-0544
Get a quote
New mortgage Renewal / Refinance
Login
fr en

[wpforms id=”1348″]

New Mortgage
Renewal
Refinance
Mortgage Rates
Mortgage Calculators
About us
Learn
- Glossary
- FAQ
Contact us
- Complaints
Careers
Newsroom
Terms of Services
Privacy Policy
Licences
Publishing Disclosure

All locations

Ontario mortgage rates
Quebec mortgage rates
- Montreal’s
  mortgage rates
- Quebec City’s
  mortgage rates
British Columbia Mortgage Rates
- Vancouver’s
  mortgage rates
- Victoria’s
  mortgage rates
Alberta mortgage rates
- Calgary’s
  mortgage rates
Manitoba mortgage rates
- Winnipeg’s
  mortgage rates
Nova Scotia mortgage rates
- Halifax Mortgage Rates
Saskatchewan mortgage rates
- Regina’s
  mortgage rates
- Saskatoon’s
  mortgage
  rates
Prince Edward Island mortgage rates

nesto Inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #2022-3000221; Mortgage Brokerage Firm Quebec #605058; British Columbia, Alberta, Newfoundland/Labrador, PEI, Manitoba, Yukon, Nunavut, Northwest Territories. nesto does not favour any financial institution in comparing rates for users – rates are ordered from lowest to highest, regardless of the financial institution. nesto is not endorsed or sponsored by any financial institutions on its website.

Note that ‘advisors’ are licensed professionals and equivalent to the following titles per province: Submortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta, Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent/Mortgage Broker in Ontario, Mortgage Broker in Quebec, Mortgage Associate/Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia, or Mortgage Broker in Newfoundland & Labrador.

Today’s Best Mortgage Rates

How To Calculate Your Loan-to-Value (LTV) Ratio

How to Refinance Your Mortgage in Canada

Guides

Home Buying

Mortgage Basics

Loan Types

The Bank of Canada Cuts Rate to 2.25%

Mortgage Rates Forecast Canada 2025-2029

How to Choose a Mortgage Rate

Types of Housing in Canada | Most Common Home Types

How to Buy a Home in Canada

Mortgage Stress Test Calculator Canada 2025

What Is a Mortgage? How Mortgages Work

What Are Mortgage Terms and Amortization Periods?

Income Needed to Get a Mortgage in Canada

What are Alternative Mortgage Lenders?

Fixed vs Variable Mortgage Rates

A Lender vs B Lender Mortgages