Bremo Articles
Canada · Mortgage · Free

Lock in Canada's lowest mortgage rate.

No-commission advisors compare 60+ lenders for you. $500 rate-match guarantee. Pre-approval in 60 seconds — no impact on your credit score.

4.04% · best fixed* 4.20% · best variable* 4.8★ on Trustpilot $500 rate guarantee

Get my rate in 60 seconds

Free, no obligation. We'll email you the lowest rate available right now.
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Rates locked in. Redirecting you to nesto…

How Bremo + nesto saves you thousands

Banks pay their mortgage agents a commission to keep you on a higher rate. nesto's advisors are salaried — they have zero incentive to upsell you.

1

Tell us your goal

Buying, renewing, or refinancing — 60 seconds.

2

nesto compares 60+ lenders

One advisor, every major lender. The lowest rate wins.

3

Lock it in & sign online

Average $11,300 lifetime savings vs. a big-bank renewal.

nesto vs. your big bank

Real numbers, average 5-year fixed term, $500K mortgage.

What you getnestoBig 5 bank
Best 5-yr fixed*~4.04%~5.39%
Advisor commission$0 (salaried)Yes — paid to upsell
Lenders compared60+1 (their own)
Rate-match guarantee$500—
5-yr interest you'll pay~$95,400~$127,300
You save~$31,900—

*Rates from nesto.ca, current. Big-bank rates from posted public rates as of 2026. Savings illustrative only — your actual rate depends on credit, down payment, and term.

Frequently asked

Does this affect my credit score?
No. Pre-approval at nesto is a soft pull. Only a full mortgage application triggers a hard credit check, and that only happens once you've reviewed and agreed to a rate.
Why is nesto's rate lower than my bank?
nesto is digital-first with no branch overhead and salaried (not commissioned) advisors. They pass that operating efficiency back to you as a lower rate. That's it — no catch.
Can I use nesto if I'm not in Ontario?
Yes — nesto serves every Canadian province. (The High Five referral program excludes Manitoba; the mortgage product itself is available everywhere.)
How does Bremo make money?
If you ultimately fund a mortgage with nesto, Bremo earns a referral fee from nesto — paid by them, not you. Our incentive is aligned with yours: we only get paid if you actually lock in a rate you're happy with.
What if I'm just renewing?
Renewals are where banks make the most money — 70% of Canadians never shop their renewal. nesto's renewal rate is typically 1.0–1.5% lower than your bank's posted renewal offer. On a $500K balance over 5 years, that's $20K–$30K back in your pocket.

Don't leave money on the table at renewal.

Most banks count on you not shopping. 60 seconds with nesto and you'll know exactly what you're missing.

Get my rate →