Our Approach

Financial advice should be personal, thoughtful and built around your goals, not just your loan.

Two women having a conversation in a modern indoor space with large glass windows and green plants. One woman is holding a glass of water, the other has an open notebook. They are seated on white cushioned lounge chairs near a small table with more books and a potted plant.

Built Around You

Every financial decision is about more than numbers.

Whether you are buying your first home, refinancing, investing, building your dream home or planning your next move, we start by understanding where you are today, and where you want to be tomorrow.

We take the time to listen, explain your options clearly, and recommend solutions that genuinely fit your goals. No jargon. No pressure. Just honest advice and a long term partnership you can rely on.

We believe the right finance isn’t just about getting approved. It’s about giving you the confidence to move forward.

A woman with glasses and curly hair smiling while working on a laptop at a wooden table in a cozy, well-lit room with green plants in the background.

Guided by Clarity

We believe confidence comes from clarity.

Our role isn’t simply to find you a loan with lowest rate. It’s to help you understand the choices in front of you, the opportunities they create, and the long term impact they can have.

That’s why we take the time to explain not only the options, but the thinking behind every recommendation, so you can move forward with confidence knowing you’ve made the right decision.

An elderly woman with long gray hair smiling while looking at her smartphone in a home office or living room. There is a black desk lamp, a glass of water, and some books and decorative items on the wooden table. A bookshelf with books and a plant is in the background.

Ready for Every Next

A great mortgage is rarely the destination. It’s the beginning of what’s next.

That’s why we build relationships that last beyond settlement. From your now to every next beyond, you’ll have a trusted adviser by your side, with thoughtful guidance whenever life takes you forward.

Meet Renee Liu

Nestia started with a different idea of what a broker could be.

Renee brings more than 12 years of experience across banking and finance. For the past decade, her work has centred on home lending — helping people navigate the decisions, details and changing circumstances that come with buying a home and managing their finance.

Over the years, Renee saw that no two borrowers are quite the same. What works for one person may not suit another, and the right solution today may not always be the right one as life changes.

That thinking became the foundation for Nestia Financial.

Renee started Nestia to offer clients greater choice beyond the options available through a single bank. With access to a broader range of lenders and loan solutions, she can take the time to understand each client’s circumstances, explore what may suit them, and continue supporting their financial goals as their needs evolve.

For Renee, it’s not about finding a product that simply fits today. It’s about helping people make considered financial decisions for where they are now, and where they’re heading next.

Let’s start with a conversation.

Whether you have a clear plan or just a few questions, Renee will meet you where you are and help you make sense of what comes next.

Book a discovery call