HIGH FIVE REFERRAL PROGRAM
Pass on great mortgage advice & get rewarded
Earn $25 every time we connect with your referral. Plus, your friend gets $100 cash back & access to our lowest rates when they fund. High-five to that.
Already registered? Log in to your portal
How it works
Share, earn & celebrate – it’s fast and easy!
1. Register & Get Your Link
Sign up with your email to unlock your unique referral link and start inviting friends.
2. Share With Your Network
Send your link via email, text, or social media — it’s easy to spread the word.
3. Your Friend Applies
When they use your link, a nesto mortgage expert will connect with them with an exclusive low rate offer and expert advice.
4. Track Your Referrals
Log in anytime to see your referral dashboard and track your friends’ progress in real-time.
5. Get Paid!
Once your friend connects with our team, you’ll earn $25 cash via a pre-paid credit card. And they’ll receive $100 cash back when they fund with nesto—a win-win for both of you!
The high-five effect: everyone wins
Real Savings
nesto’s rates are 15% lower than the big banks*, meaning your friend could save up to $18,200 in interest over 5 years (with a 25 year amortization, that’s over $72,000 saved).
Expert Guidance
With 350+ mortgage experts, we guide every client from start to finish, ensuring a smooth & stress-free experience.
Simple & Fast
A fully digital mortgage experience that makes securing or renewing a mortgage quick and easy.
Why refer nesto?
Because a high-five goes a long way.
Friends refer friends. Homeowners share their savings. Every referral helps more Canadians access nesto’s
low mortgage rates, making homeownership more affordable.
Join the high-five saving circle, where low rates and expert advice aren’t kept secret.
Already registered?
Log in to your personalized referral dashboard to track your friends’ progress & keep earning rewards.
Frequently Asked Questions
Who can participate in the referral program?
Anyone in Canada (excluding Manitoba) can register to share nesto with their network. If you’re a nesto Group employee, we have a separate referral program for you here.
Please see the terms & conditions below for full details.
How do I get my referral link?
After registering, you’ll receive a unique referral link to share via email, text, social media, direct message, etc. You’ll also be able to create an account by setting up a password & log in to your referral dashboard to track the status of your referrals.
When do I get paid?
You’ll receive your $25 cash reward, in the form of a prepaid credit card, once a member of our mortgage expert team confirms your contact is a qualified referral. You’ll get an email from Tango Card when the reward is available for redemption (typically within 24 hours of your friend becoming a qualified referral).
How many people can I refer to nesto?
There’s no limit! The more referrals you make, the more you earn.
Could my reward expire?
You must claim your card in Tango Card within 4 months from the date these instructions are sent via email. So make sure to keep an eye on your inbox. Once the card is redeemed, you will have 7 months to use the funds.
What happens if two people refer the same person?
Referral credit is awarded on a first-come, first-served basis – whoever shares the link that the new user signs up with will get the reward.
What if I refer someone who has already signed up with nesto?
To qualify, referrals must be brand new to nesto. If your friend has already signed up, they won’t count towards your rewards, but will still get nesto’s expert guidance and low mortgage rates!
Terms & Conditions
Full terms and conditions
In order to be eligible to make a referral under the High Five referral program offered by nesto Inc. (“nesto”), the referrer must respect the following requirements:
i. They cannot conduct any activities that would require them to be licensed as a mortgage broker;
ii. They must disclose the referral arrangement to the prospective borrower in writing, including that they may receive a referral fee, the amount of the referral fee or an estimate thereof, and the nature of their relationship with nesto; and
iii. They must obtain written consent from the prospective borrower before sharing their information with nesto.
A prospective borrower may only be referred under the High Five referral program if:
i. They have acknowledged in writing that a referral fee will be paid to the referrer;
ii. They have acknowledged in writing that the identity of the referrer has been disclosed to them;
iii. They have acknowledged in writing that the basis for calculating the referral fee has been disclosed to them;
iv. They have consented that their personal information be shared with nesto and Impact Tech, Inc. and its affiliates.
Referral fees are awarded on a first-come, first-served basis. The referral fee will be paid to the referrer who shares the link used by the referred individual to sign up with nesto. To be eligible to receive the referral fee, the referred individual must be a new nesto user. If the referred individual has already signed up with nesto, the referrer will not be eligible to receive a referral fee.
This program is not available to residents of Manitoba.
*Comparing nesto’s August 2024 to January 2025 5-year fixed insured rates vs the big 6 bank posted rates approximately rounded up. Terms & conditions apply. Comparison lenders may offer unpublished special discounts. Rates shown in ads are for insured mortgages from $700k to less than $1,375,000. Some conditions apply. Savings calculation assumes a $500K mortgage amount, 25 year amortization, 5% down payment. For visualization purposes only.