Egg inside nest
At Nestig, we believe there’s a better, smarter way to borrow money.

The Nestig Story

We were hatched from the idea that you deserve a financial partner who genuinely cares about and is invested in you; someone who sees the bigger picture and where you fit in it. We’re all about finding the best solution for you today while helping you build a stable nest egg for tomorrow.

Our homegrown team is small, but we’re stacked and all of us share a singular focus to make your life better. We commit to gathering all the information we can about your current financial circumstances, then use our expertise and professional connections with lenders and investors to offer you the smartest available solution, because we truly want to see you break the cycle of bad borrowing.

And we’re in it with you for the long haul. We would love to get you to a place where you could potentially become one of our trusted lenders in the future—that’s our level of commitment to you.

Imagine—no more scrambling to pay your bills each month, only to never get ahead. In less time than it takes to boil an egg, we can start the conversation that gets you rolling in the right direction. We’re excited for the opportunity to help.

The Nestig Solution:
Borrow the Smart Way

Lower interest rates, integrated loan solutions to rebuild credit, improvements to your financial literacy—these are all part of the Nestig Solution to help you break the cycle of unmanageable debt so you can finally get ahead. Our smart borrowing solutions are built with your long-term success in mind.

Meditating Blue Egg

Lower interest rates

Needing money now does not mean you’re at the mercy of quick-loan providers and their outrageous interest rates. Nestig can offer you significantly lower interest rates so you can borrow the money you need today without creating an even bigger burden for tomorrow.

Egg cheering

Integrated loan solutions

We’re not like the others—they want to lend you money to improve their bottom line, and we want to lend you money to improve yours. That starts with finding the solution that answers your current needs now while helping you repair and rebuild your credit so that you have more—better—options for your future. It is possible to get out of the vicious cycle of high debt, high interest borrowing, and we can show you how.

Egg reading a book

Improvements your financial literacy

Managing your money isn’t always easy, and many of us weren’t taught how to do it well. That’s why we’re committed to providing advice and education alongside our lending solutions so that soon, you’ll feel in control and informed enough to make better financial decisions—but not to worry, we’ll still be available to help any time you need it.

The Home Nest

Steve Heimbecker
Steve Heimbecker
AMP
President & Principal Broker
Michael Schaffer
Michael Schaffer
Mortgage Agent & Alternative Lending Specialist
Madchen Funk
Madchen Funk
B.A.(Hons) J.D.
Counsel & Human Resources Manager
Rachel Squirrell
Rachel Squirrell
Mortgage Account Manager
Kelly Adams
Kelly Adams
Legal Administration
Steve Heimbecker
Steve Heimbecker
AMP
President & Principal Broker

Strong relationships are integral to everything Nestig founder Steve Heimbecker does, which is why he’s been cultivating and nurturing the client-lender relationship with dedication and professionalism throughout his near-20-year career. And he’s loyal—not to one particular lender or institution, but to hunting down the best solution for you and your financial goals.

Specializing in mortgage renewals, purchases, refinancing, and low-interest second mortgages, Steve’s vision throughout your relationship is to strengthen your financial knowledge while helping you break free from the burdens of bad debt.

He’s won a few awards to back it up his credentials too, bringing home the 2013 CMP Award for Best New Brokerage in Canada (for Concierge Mortgage Group, of which Steve was founder and principal broker). Throughout his career, he’s also held top spots at Scotiabank and The Mortgage Centre, proving to be one of the highest producing brokers at each organization.

Steve’s celebrated experience in Canada’s financial lending industry, tireless work ethic, attention to detail, and strong relationship acumen are instrumental in making him one of southwestern Ontario’s most innovative and industrious business owners.

Michael Schaffer
Michael Schaffer
Mortgage Agent & Alternative Lending Specialist

Buying a home is one of the largest, most significant purchases you will make in your life, and you need an ally to develop the best mortgage plan that’s right for you. With a vast network of lending institutions behind him, Michael will create a customized mortgage plan with the features and options that meet your needs, whether that’s a purchasing your first or next home, an investment property, or vacation home; refinancing; or exploring options for your current mortgage renewal. Between his network of industry professionals and legacy of satisfied customers, you can trust that Michael will work to ensure your mortgage experience is a positive one, where your financial and home ownership goals are realized.

Rachel Squirrell
Rachel Squirrell
Mortgage Account Manager

Rachel is our Mortgage Account Manager and is here to assist you throughout your mortgage application process. She works hand in hand with Steve Heimbecker to ensure your application experience is comfortable and transparent. Rachel’s background encompasses 11 years in banking experience which included the roles of Financial Advisor and Manager of Customer Experience. Her industry experience is utilized to confidently answer your questions and act as liaison between our lenders and you as our client.

Madchen Funk
Madchen Funk
B.A.(Hons) J.D.
Counsel & Human Resources Manager

Helping our clients develop the skills to manage their debt with a pragmatic and tailored focus is a priority for Madchen. At Nestig, she brings her extensive education and work experience in law and litigation to oversee our entire mortgage process, including registrations, discharges, assignments, and renewals.

Madchen earned her Bachelor of Arts (Honours) from the University of Guelph, majoring in Political Science and Criminal Justice & Public Policy, as well as her Juris Doctor degree from the University of Toronto Faculty of Law. She was a member of the Ontario Bar Association, Canadian Bar Association, and the Waterloo Region Law Association.

Kelly Adams
Kelly Adams
Legal Administration

Kelly wears many hats at Nestig, carefully handling the preparation of mortgage files, commitments, and applications, as well as collecting client information and managing appointments. With a background as a law clerk and legal assistant, she works closely with Madchen to fulfill the legal requirements of our clients’ mortgages.

Community Involvement

As a company and as individuals, we have the privilege of giving back to our community. Nestig is a proud sponsor of the Kitchener Rangers, Waterloo Minor Baseball, and the Red Academy of Soccer of Kitchener.

As a father of three, Steve is active in fundraising for causes that promote the health and well-being of children, as well as other health-related causes.

Madchen is a past Board member at the Volunteer Action Centre of Waterloo Region, an organization providing regional leadership and expertise on volunteerism to increase participation, quality and diversity of volunteer experiences.

Michael has coached both minor baseball and minor hockey teams in the Waterloo region at various age levels. You can also find him refereeing minor hockey games in Waterloo.

A former volleyball player and member of both the Humber College and Ontario College Athletic Association Hall of Fame, Kelly is an active volleyball coach in Kitchener.

Open Community Involvement video

Get the money you need. Rebuild your credit with a plan. Break the cycle of overwhelming debt once and for all.