Frequently Asked Questions

Nestflow is a Netherlands-based fintech company dedicated to empowering homeowners by providing financial flexibility. Our mission is to help homeowners get cash from the equity in their homes without needing to sell, move, or take on debt. Our solution Nestflow Flex lets you turn your home’s built-up value into cash you can use today, giving you more financial freedom while you stay comfortably in your home.

Unlike a mortgage or loan, Nestflow’s solutions don’t involve debt, interest, or monthly payments.

Nestflow offers a modern approach inspired by trusted European home-sale models such as viager and bare ownership, but tailored for today’s homeowners. We help homeowners transform their built-up home equity into debt-free cash today. Unlike other equity-release models, there are no maintenance charges or rent, no new debt to pay back, and no interest eating away at your home’s value.

There are a number of situations where Nestflow may not be the best solution for you. For example, if you have an urgent need for significant funds (representing a large amount of your home's value). Or if you have the ability to pay back money you borrow, even at potentially high interest rates, in a short period of time. You may even be willing to let what you borrow on a mortgage double (or even quadruple!) over a 10-20 year period, due to compounding interest. Or you may not mind selling an actual share of your home today to a third-party, and paying them fees or rent for as long as you continue to live there.

Our services are designed for homeowners aged 65+ who want to tap into their home equity without moving or taking a loan. (A key requirement for your home to qualify is that the youngest owner or resident must be at least 65 years old). Nestflow currently operates in the Netherlands with expansion planned to EU neighbors like Germany, Belgium, Portugal, and Spain.

Yes! There are no restrictions on how you use the cash. Many people use it to supplement income, cover healthcare costs, pay off debts, make home improvements, or even help family members.

We use an independent appraisal of your home’s market value as starting point for Nestflow’s initial offer. Our proprietary valuation model also considers a number of additional factors such as, for example, how long you’re expected to remain in your home and whether or not you have a traditional mortgage (and its value). Every offer is personalized, and we'll walk you through the numbers before you decide.

Until a "settlement event" occurs (see below), you have the opportunity to buy back the FlexRights you’ve sold to Nestflow (up to 5 per year), if you decide you want to keep the home 100% in the family.  "Settlement events" are detailed in our contract and, for illustrative purposes, include events such as your moving to a new primary residence, passing away, or declaring bankruptcy (for clarity, in a household with more than 1 homeowner, "passing away" refers to the last surviving homeowner).

At a "settlement event", you owe us a payment that (i) depends on how many FlexRights you've sold us and (ii) is based on your home's then market value. For example, if you decide to sell your home, then (after you pay off any existing primary bank mortgage) we'll get our pro-rata share of the sale proceeds; you (or your heirs) keep all remaining proceeds. If you don't wish to sell your home at a "settlement event," you're welcome to settle our FlexRights from your other sources of funds.

Nestflow Flex also provides a unique way to start to transfer wealth to your loved ones while you’re alive, using your home’s built up value.

If you’d like more details about specific options, check out our Nestflow Flex FAQ or reach out to us directly. The information on this website is illustrative in nature and final terms & conditions are detailed in our FlexRights Agreement and accompanying mortgage deed.

As a homeowner using Nestflow, your responsibilities include (among others):

As a partner in your home’s value, we ask that you get our consent before making any changes outside of those required for maintenance. This is similar to what banks require under a standard home mortgage. It’s unlikely we would oppose renovations that potentially increase your property's market value.

No, Nestflow won’t interfere with your decisions, as long as you meet your responsibilities as summarized above (and detailed in the final agreement).

No, Nestflow does not plan to conduct regular inspections (though we have inspection rights as part of our agreements). We trust you to responsibly maintain your home.

With Nestflow Flex, you can offer to sell up to 10 FlexRights per year (representing 10% based on your home’s future value), out of a total 100 FlexRights potentially available. After the initial transaction, any subsequent offers are subject to Nestflow's approval and our mutual agreement on value.

Nestflow Flex is Nestflow’s flagship product.  Nestflow Flex 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 cash from your home equity simple, stress-free, and seamless.

Even better, Nestflow Flex can help you tap into your home's value even if you still have an existing primary bank mortgage in place. Unlike other equity-release alternatives, we generally don't require you to pay off your bank mortgage before using Nestflow Flex (assuming you, your home, and your mortgage meet our approval criteria).

With Nestflow Flex, we use a concept called FlexRights to represent a claim based on your home’s future market value. Each FlexRight you sell to Nestflow gives us the right to a claim based on 1% of your home’s eventual market value or sale proceeds. In exchange, you get cash upfront when we buy the FlexRights, with no loans, interest, or ongoing payments involved.

With Nestflow Flex, you can offer to sell up to 10 FlexRights per year (representing 10% based on your home’s future value), out of a total 100 FlexRights potentially available. After the initial transaction, any subsequent offers are subject to Nestflow's approval and our mutual agreement on value.

This approach helps you benefit from increases in your home’s value over time. So while you can’t sell 25 FlexRights (representing 25%) at once, for example, you could offer to sell the total 25 as follows: 10 in January of Year 1, then another 10 in January of Year 2, and a further 5 in January of Year 3. If you're home’s value has gone up during this period, the offers will take into account the increased value — meaning you either could get more funds per FlexRight from the later sales, or potentially decrease the number of FlexRights needed to meet your desired funding amount. The preceding example is illustrative only, not a guarantee of outcome; each offer is assessed independently by Nestflow and requires our approval.

For Nestflow Flex, 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 the value of FlexRights in future offers or buybacks may vary as these factors evolve. As a reminder, buybacks are subject to certain contractual limitations, and future offers are subject to Nestflow's approval and our mutual agreement on price. Contact us for a Free Estimate.

With Nestflow Flex, 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. Just as a reminder, future offers are subject to Nestflow's approval and our mutual agreement on value.

While your home’s value affects what we may offer for your FlexRights, you never have to offer to sell us additional FlexRights unless you want to (selling us additional FlexRights after the initial transaction is subject to Nestflow's approval and our mutual agreement on value). For FlexRights we’ve already bought, Nestflow’s participation based on your future home value doesn’t change: we’ll just receive our pro-rata share based on a lower value. You’re never required to make up a difference. And even better, if you think your house is undervalued, you can buy back FlexRights you’ve already sold us - at the same price we’d offer to buy new ones from you. As a reminder, buybacks are subject to some contractual limitations.

Yes, with Nestflow Flex, 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 Nestflow Flex 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 settle the FlexRights based on the then market value of your home. You (or your heirs) can use existing funds to do so, or you can choose to sell the home to generate proceeds. (For clarity, in a household with more than 1 homeowner, "passing away" refers to the last surviving homeowner).

Yes, you have the option to buy back FlexRights (up to 5 per year) at the same fair market price that we'd be willing to pay if you offer to sell more to us, giving you flexibility over your home’s equity with Nestflow Flex.

No, you don’t. We recommend limiting your initial sale of FlexRights to no more than 10%. You can offer to sell additional FlexRights over time as your financial needs evolve, subject to Nestflow's approval and our mutual agreement on value. This provides a path towards getting cash when you need it while still keeping ownership and control of your home.

With Nestflow Flex, when you decide to sell, Nestflow has the right to make the first offer to purchase your home. If we purchase your home, you simultaneously settle (from the proceeds) the FlexRights we hold at the time of sale. You are free to accept other higher offers to purchase your home within six months (as long as you tell us) - in which case we’ll receive our agreed settlement value based on the FlexRights we hold, per the higher offer you accept.

After entering our Nestflow Flex 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 settle the FlexRights based on the then market value of your home. If you (or your heirs) don't have enough funds to do so, you may have to sell the home to generate proceeds. However this is not a requirement if you can get funds to settle the FlexRights from another source. (For clarity, in a household with more than 1 homeowner, "passing away" refers to the last surviving homeowner).

With Nestflow Flex, 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.

Nestflow charges a simple, one-time setup fee that covers all paperwork and initial notary costs for Nestflow Flex, usually deducted from the initial FlexRights payment. To help homeowners make an informed decision to work with Nestflow, we offer a significant discount on this one-time fee if you receive (and share with us) independent financial advice — and an even larger discount if you work with one of our trusted advisors (already familiar with us).

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.

Certain life events - such as your moving to a new primary residence, passing away, or declaring bankruptcy - could require you (or your heirs) to settle the FlexRights based on the then market value of your home. Our Nestflow Flex agreement ends automatically in these cases when you settle any payments owed to Nestflow. You can also choose to end the Nestflow Flex agreement early by buying back all FlexRights you’ve sold (up to 5 per year). On the other hand, if Nestflow decides to terminate the agreement early, you keep all FlexRights payments you’ve received, with no further obligations.

With Nestflow Flex, certain life events such as moving to a new primary residence, passing away, or declaring bankruptcy could require you (or your heirs) to settle the FlexRights based on the then market value of your home.  (For clarity, in a household with more than 1 homeowner, "passing away" refers to the last surviving homeowner). This protects Nestflow’s investment while also ensuring that in these situations, you or your heirs can make decisions based on current market conditions.

As a partner in your home’s future value, with Nestflow Flex 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.