NestFlex
NestFixed

NestFlex: the most flexible option.

NestFlex lets you access your built-up home equity as debt-free cash, by exchanging a share of your home’s future value. It’s simple, stress-free and seamless!

NestFixed: recurring payments for financial security.

NestFixed lets you sell your entire home today but keep living in it as long as you want. You receive an upfront payment and fixed amounts over time (even for your heirs, if you choose).
Get Free Estimate
Home Equity
Sell your home without moving

A new way to access your home’s equity.

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Get cash when you need it — now or in the future.
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No debt, interest, or monthly payments.
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Keep full ownership of your home.
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You sell us rights to participate in your home’s future sale value, using a concept we call FlexRights.

Sell your home without moving.

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We buy your home but you keep living there as the owner until you move out — it’s that simple.
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Stay responsible for your home just like today: handle maintenance, insurance, and improvements your way.
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No rent, no interest, no monthly payments to make — in fact, we pay you!
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Perfect if you have significant home equity and want to stay in the neighborhood you love.

A time machine for your future sale.

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Each FlexRight represents 1% of your home’s future sale value.
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When you sell us a FlexRight, we pay you cash and we get that percentage right to participate in the future sale.
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When you eventually leave  your home, we’ll get our percentage portion of the sale proceeds (based on the FlexRights we hold). The rest is yours.
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It’s like a time machine for using part of your future home sale today.

Ongoing income from your home equity.

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Get guaranteed monthly payments while alive until age 100 (or customize the payment schedule to your needs).
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NestFixed payments continue even if you move somewhere else — giving you complete flexibility for your future.
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You can even choose to extend the payments to your heirs.
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Use the money however you want:  supplement your pension, pay off debt, fund home improvements, or help your family.

Max flexibility when you want it.

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Get cash when you need it — now or in the future.
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No debt, interest, or monthly payments.
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Keep full ownership of your home.
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It’s your home, your cashflow, your choice.

Maximum security & peace of mind.

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Tradition you can trust: our modern version of home sale model used for centuries in EU neighbors like France & Belgium (“viager”) and Portugal/Spain/Italy (“bare ownership”).
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Every agreement is formally notarized and recorded in the land registry.
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We only become the final owner after you permanently move out — giving you lifetime security in your home
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If we ever miss a payment, the deal is off and you keep your home plus all the money you’ve received.

Our process based on trust.

01.
Get To Know Each Other
If you want to know more about the possibilities, we can schedule an appointment: by phone, online video call and/or on location.  Fill out our Free Estimate form and we’ll be in touch.
02.
Custom Indicative Proposal
If you want to continue with Nestflow after the conversation, we can give you more examples of the use of your NestFlex or NestFixed based on your personal situation, choices and wishes. We can explore different scenarios and make agreements about the first payment.
03.
Appraisal & Contract
After an independent valuation (for which you bear the costs), we’ll make your personalized final proposal – which will serve as the basis for our purchase contract. We advise you to discuss this with your advisor and/or any heirs. When you have definitively agreed, we will inform the notary.
04.
Enjoy Your Cash
Once the notary has received approval from the bank (if there is still a mortgage), an appointment will be scheduled to officially sign the contract and the deed (and register it in the Land Registry). From now on, you will enjoy a nice supplement to your income.

FAQs

NestFlex
What is NestFlex
NestFlex is Nestflow’s flagship product.  NestFlex lets you tap your home’s value with no hidden charges, no extra costs or rent to pay, and no interest eating away at you over time. It’s about making cashflow from your home simple, stress-free, and seamless. As you need it, when you need it.
What are FlexRights?
With NestFlex, we use a concept called FlexRights to represent participation in your home’s future sale price. Each FlexRight you sell to Nestflow gives us the right to participate in 1% of your home’s eventual sale proceeds. In exchange, you get cash upfront when we buy the FlexRights, with no loans, interest, or ongoing payments involved.
How much of my home’s future value can I access with FlexRights?
With NestFlex, you can offer to sell up to 10 FlexRights per year (representing 10% of your home’s future value), out of a total 100 FlexRights potentially available. By offering more FlexRights to us in the future, you can access funds gradually as your needs change over time, giving you maximum flexibility.
How does Nestflow determine the value of my FlexRights?
For NestFlex, we use a proprietary valuation model that considers factors like your home’s current value (including an independent valuation) and how long you’re expected to remain in it. We agree on the value of your first FlexRights sale at the time we enter our agreement, but future offers or buybacks may vary as these factors evolve. Contact us for a Free Estimate.
What if my home’s value increases over time?
With NestFlex, if your home appreciates, you can offer future FlexRights to us at a potentially higher value, allowing you to benefit from your home’s increased worth. A big difference from traditional “equity release” products like mortgages and partial-sales, where the transaction value is determined up front and doesn’t change.
What happens if my home decreases in value?
While your home’s value affects what we may offer for your NestFlex FlexRights, you never have to sell us additional FlexRights unless you want to. For FlexRights we’ve already bought, Nestflow’s participation in a potential sale doesn’t change: we’ll just receive our pro-rata share of any sale at a lower value. You’re never required to make up a difference. And even better, if you think your house is undervalued, you can offer to buy back FlexRights you’ve already sold us - at the same market price we’d pay to buy new ones.
Can I live in my home as long as I want after selling FlexRights?
Yes, with NestFlex, you retain full ownership (title) and can stay in your home as long as you like. Selling FlexRights does not affect your ability to live in your home. After entering our NestFlex agreement, certain life events - such as your moving to a new primary residence, passing away, or declaring bankruptcy - could require you (or your heirs) to sell your home or buy back the FlexRights.
Can I buy back the FlexRights I’ve sold?
Yes, you have the option to buy back FlexRights (up to 10 per year) at the same fair market price that any new buyer would pay, giving you full flexibility over your home’s equity with NestFlex.
Do I have to sell all of my FlexRights at once?
No, you don’t. We recommend limiting your initial sale of NestFlex FlexRights to no more than 10%. You can offer to sell additional FlexRights over time as your financial needs evolve, getting cash when you need it while still keeping ownership and control of your home.
What happens when I sell my home?
With NestFlex, when you decide to sell, Nestflow will make the first offer to purchase your home. Our offer price may be settled in part by any FlexRights we hold at the time of sale. You are free to accept other higher offers within six months (as long as you tell us) - in which case we’ll receive our agreed participation based on the FlexRights we hold, and you keep the rest of the proceeds.
What if I don’t want to sell my home?
With NestFlex, you (or your heirs) can buy back the FlexRights you’ve sold to us, based on their market value or a verified third-party offer price (whichever is higher), maintaining your control over the sale.
What obligations do I have as a homeowner?
With NestFlex, you remain the owner (title-holder) of your home and we expect you to keep it well-maintained and properly insured. Since we’re partners in your home’s value, major changes such as taking out new loans, renting out the property, or making significant modifications require Nestflow’s approval.
What fees are involved?
Nestflow charges a simple, one-time setup fee that covers all paperwork and initial notary costs for NestFlex, usually deducted from the initial FlexRights payment. We also charge a small platform fee each time you sell or buy back FlexRights, which is included as part of your cost in that FlexRights transaction. And, when you eventually leave your home, we receive a small agent-style fee based on the sale price. There are no hidden costs or monthly payments.
How does the NestFlex agreement end?
Our NestFlex agreement ends automatically when you leave your home and settle any payments owed to Nestflow. You can also choose to end it early by buying back all FlexRights you’ve sold (up to 10 per year). If we terminate the agreement early, you keep all FlexRights payments you’ve received, with no further obligations.
What life events could affect my NestFlex agreement?
With NestFlex, life events such as moving to a new primary residence, passing away, or declaring bankruptcy could require you (or your heirs) to sell your home or buy back the FlexRights. This protects Nestflow’s investment while also ensuring that in these situations, you or your heirs can make decisions based on current market conditions.
How does Nestflow protect its investment in my home’s value?
As a partner in your home’s future value, with NestFlex we require a few ongoing security conditions, such as not renting out your home, maintaining it as your primary residence, and keeping it well-maintained and insured. Our approval is required for any new home loans or significant home modifications. We formalize these conditions with a standard notarized lien (mortgage right) in the land register.
Show Close FAQs
What is NestFixed?
NestFixed is Nestflow’s fresh, modern version of the classic European model of selling your home without moving. NestFixed lets you tap up to 100% of your home’s equity value and use the cash for various financial purposes, such as supplementing retirement, paying off debt or financing major expenses.
How does NestFixed work?
NestFixed allows you to sell your home now but continue living in it. With NestFixed, you can receive a fixed monthly payment until your 100th birthday, with no interest or rental costs involved.
How much can I get by selling my home with NestFixed?
Our NestFixed purchase offer considers factors like your home’s current value (including an independent valuation), the outstanding value of any existing mortgage, when you want your scheduled payments, and whether you choose any options like having payments continue to your heirs. Contact us for a Free Estimate.
If I’ve sold you my house, can I really stay in it?
Yes, you can stay in your home for as long as you wish with NestFixed. Ownership remains with you until you decide to move out (or pass away). You will never pay interest or rent, even after Nestflow’s monthly NestFixed payments to you stop when you reach your 100th birthday.
What happens when I decide to move?
With NestFixed, when you move out, ownership of your home will be transferred to Nestflow. If you move, the monthly NestFixed payments continue until you reach your 100th birthday.
What happens if I pass away?
With NestFixed, when you pass away, ownership of your home will be transferred to Nestflow. NestFixed payments stop upon your death unless you’ve chosen the option to have them continue to your heirs.
Will there be anything left for my children?
Yes, you can gift money from your monthly NestFixed payments to your children during your lifetime. Additionally, NestFixed options are available for passing on remaining payments to your heirs after your death.
What if I need repairs or modifications done to my home?
You can use the funds from your monthly NestFixed payments for home improvements or modifications that enhance your comfort and quality of life.
What if my home’s value changes over time?
Once you’ve signed our NestFixed purchase deed, you no longer will have the economic benefit of any appreciation in your home’s value (nor be exposed to price depreciation).
Is there any risk involved with NestFixed?
Once you’ve signed our NestFixed purchase deed, you no longer will have the economic benefit of any appreciation in your home’s value (nor be exposed to price depreciation). Also, violating certain conditions under the NestFixed agreement - such as going bankrupt or failing to pay your existing home mortgage - may allow us to suspend your payments. On the other hand, if we miss a payment (while you’re fulfilling your obligations to us), the NestFixed agreement is terminated and you retain ownership of your home while keeping all payments received to date.
Why should I consider NestFixed?
NestFixed offers a way to enhance your financial flexibility by allowing you to tap up to 100% of your home’s current equity value without having to move. You retain ownership of your home while benefiting from its value, allowing you to supplement retirement income without taking on new debt.
What fees are involved with NestFixed?
Nestflow charges a simple, one-time setup fee that covers all paperwork and initial notary costs, usually deducted from the initial NestFixed payments. We also deduct a small platform fee every time you receive a scheduled NestFixed payment. It’s straightforward, simple, and transparent.
How does the NestFixed agreement end?
The NestFixed agreement terminates if we miss a payment (while you are fulfilling your side of our agreement). In this case, you retain ownership of your home and are not required to repay any funds you have received. The NestFixed agreement also concludes upon your death. At that point, the home is transferred to Nestflow, and the monthly NestFixed payments stop unless you have opted for them to continue to your heirs.
What life events could affect my NestFixed agreement?
With NestFixed, if you permanently move, your home transfers to Nestflow but you will continue to receive monthly payments until you reach your 100th birthday. If you pass away, your home transfers to NestFlow, and NestFixed payments stop unless you have opted for them to continue to your heirs. Other events - such as if you go bankrupt or if your bank calls your primary mortgage (if you have one) - may result in transfer of your home to Nestflow under NestFixed.
How does Nestflow protect its investment in my home’s value?
To protect our investment with NestFixed in your home’s value, you agree to a few ongoing security conditions such as not renting out your home, maintaining it as your primary residence, and keeping it well-maintained and insured. You also are responsible for continuing to pay any existing mortgage on your home. These conditions are formalized in our contract, and our NestFixed purchase deed is notarized and entered into the Land Registry.
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