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 cashflow from your home simple, stress-free, and seamless. As you need it, when you need it.

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 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.

With Nestflow Flex, 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.

This approach also 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 sales 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.

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 future offers or buybacks may vary as these factors evolve. 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.

While your home’s value affects what we may offer for your 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 ]price we’d pay to buy new ones from you.

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 sell your home or buy back the FlexRights.

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 sold more to us, giving you full 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, getting cash when you need it while still keeping ownership and control of your home.

With Nestflow Flex, 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.

With Nestflow Flex, 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.

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) indepdendent 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.

Our Nestflow Flex 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 5 per year). If we terminate the agreement early, you keep all FlexRights payments you’ve received, with no further obligations.

With Nestflow Flex, 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.

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.