NEST MORTGAGE AND FINANCIAL SOLUTIONS LTD

What NEST MORTGAGE AND FINANCIAL SOLUTIONS LTD does

NEST Mortgage and Financial Solutions Ltd is an independent, whole-of-market mortgage brokerage founded in 2020 by Anna Cooper and headquartered in Poole, Dorset. The company operates as an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No. 932854). NEST advises individual clients across the UK — including first-time buyers, home movers, remortgagors, buy-to-let landlords, self-employed applicants, and those with adverse credit — through one-to-one consultations delivered in-person at its Poole office and remotely via phone and video. A dedicated Polish-language sub-brand serves the Polish-speaking community in the Dorset region.

The core technology stack is composed of industry-standard third-party platforms rather than proprietary systems: NEST uses Mortgage Brain, Trigold, iPipeline, and AIR for product sourcing across the UK lending market, and The Key for CRM. All operations are paperless, with virtual meeting capabilities and secure client portals. Services span residential mortgages, buy-to-let, remortgages, and specialist cases, complemented by protection products (life insurance, critical illness, income protection, buildings and contents).

NEST generates revenue through three streams: a typical broker fee of £495 per application (professional services), lender commission on mortgage placements (affiliate/referral), and insurance commission on protection products taken by 85–90% of clients (affiliate/referral). The go-to-market is sales-led and heavily referral-driven, with a professional partner network comprising estate agents (Thacker & Revitt), solicitors (Ellis Jones Solicitors LLP), and surveyors (SH Woodhouse Surveying), supplemented by content marketing and a managed social media presence via Redpost Media.

Name

NEST MORTGAGE AND FINANCIAL SOLUTIONS LTD

Legal name

NEST Mortgage and Financial Solutions Ltd

Website

https://nestfs.co.uk

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

NEST Mortgage and Financial Solutions Ltd is an independent whole-of-market UK mortgage brokerage founded in 2020, advising individual clients on residential, buy-to-let, remortgage, and specialist mortgage cases, with complementary protection products and a Polish-language sub-brand.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Mortgage brokerage
• Whole-of-market advisor
• Remortgage services
• Buy-to-let mortgages
• Protection insurance

Headquarters

HQ city

Poole

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Broker Fees: Fees charged to clients for mortgage advice and arrangement services. Typical broker fee is £495, payable on application. Fee may vary depending on client status and circumstances.
2. Lender Commission: Commission received from lenders for placing mortgage business with them, typically a percentage of the loan amount or fixed referral fee.
3. Insurance Commission: Commission from insurance providers for personal and property protection products. Approximately 85-90% of clients secure protection products alongside mortgages.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

NEST Mortgage and Financial Solutions Ltd is an independent whole-of-market mortgage brokerage that arranges residential, first-time buyer, home mover, remortgage, and buy-to-let mortgage products for clients across the UK. The firm complements its mortgage advisory with personal and property protection products (life insurance, critical illness cover, income protection, and buildings and contents insurance), supported by a specialist Polish-language Mortgage Broker sub-service for the Polish-speaking community in the Poole and Bournemouth area.

Product overview

NEST Mortgage and Financial Solutions Ltd operates as an independent whole-of-market mortgage brokerage offering a unified service model. The core offering consists of mortgage advisory and placement services spanning residential mortgages, first-time buyer support, home mover services, remortgages, and buy-to-let products. These mortgage services are complemented by protection products including personal protection (life insurance, income protection, critical illness cover) and property protection (buildings and contents insurance). The company also offers specialized services for Polish-speaking clients through its Polish Mortgage Broker Services sub-brand. All services are delivered through qualified mortgage advisors and protection specialists using internal product sourcing technology (Mortgage Brain, Trigold, iPipeline, AIR sourcing) and a CRM system (The Key).

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Services Independent whole-of-market mortgage brokerage providing expert mortgage advice and arrangement services across residential, buy-to-let, and specialist mortgage products for UK consumers.
• First Time Buyer Mortgage Advice Specialist mortgage guidance for first-time buyers navigating the home purchase process, including support on deposits, affordability assessments, and government schemes such as Help to Buy, Shared Ownership, and Lifetime ISA.
• Home Mover Mortgage Broker Mortgage advisory service for homeowners moving to a new property, including porting existing mortgages and securing new lending arrangements.
• Remortgage Advice Expert guidance on refinancing existing mortgages to secure better rates, release equity, change mortgage terms, consolidate debt, or avoid Standard Variable Rate increases.
• Buy-to-Let Mortgages Mortgage products for new and experienced landlords purchasing rental property investments, including portfolio landlord financing and landlord insurance support.
• Personal Protection Life insurance, income protection, and critical illness cover arranged for mortgage clients to protect mortgage repayments and family income.
• Property Protection Buildings and contents insurance services for homeowners and landlords to protect properties and belongings, arranged alongside mortgage and remortgage advice where applicable.
• Polish Mortgage Broker Services Specialist mortgage advisory delivered in Polish for Polish-speaking clients in Poole, Bournemouth, and surrounding areas, with support on document translation and UK-specific mortgage-system guidance.

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Ellis Jones Solicitors LLPcoreStrategic or Co-development PartnerRecommended solicitor partner providing comprehensive legal services to NEST clients including wills, power of attorney, trusts, probate, declarations of trust, and conveyancing. Head of Court of Protection Magdalena Lipinska leads the relationship. Offices across Dorset and Hampshire provide accessible support for property transactions and estate planning.
• SH Woodhouse SurveyingcoreStrategic or Co-development PartnerFamily-run RICS-regulated surveying firm providing expert property advice. Steve Woodhouse (AssocRICS Building Surveyor and RICS Registered Valuer) and Holly Woodhouse (qualified solicitor with legal experience) offer building surveys, valuations, and conveyancing support across Dorset, Hampshire, and Wiltshire.
• Thacker & RevittcoreChannel Partner/ Reseller/ DistributorIndependent estate agency partnership for client referrals. Thacker & Revitt refers property buyers and sellers to NEST for mortgage advice, while NEST clients benefit from trusted estate agency recommendations. Documented high referral volume from this partnership.
• The Right Mortgage LtdcoreImplementation/ SI/ Consulting PartnerNEST is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No. 932854). Provides regulatory framework and oversight for mortgage advisory services.
• Magdalena LipinskaminorStrategic or Co-development PartnerHead of Court of Protection and Senior Associate Solicitor at Ellis Jones Solicitors LLP. Specialist in wills, power of attorney, trusts, declarations of trust, and probate services for NEST clients.
• Redpost MediaminorGTM or Marketing PartnerMarketing agency providing digital marketing services including blog content creation, social media management, and marketing strategy. Lydia Lucas has been shaping NEST's digital presence since April 2023.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• John Charcol: Long-established specialist UK mortgage broker focused on complex and high-value cases, including self-employed, adverse credit, and large loan sizes—a profile that overlaps closely with NEST's complex-case specialism.
• London & Country Mortgages: One of the UK's largest independent whole-of-market mortgage brokers, advising on residential, buy-to-let, and remortgage cases with a fee-based, advisor-led model directly comparable to NEST's offering.
• Private Finance: UK whole-of-market mortgage broker covering residential, buy-to-let, and high-net-worth lending, with a fee-based advisory model directly analogous to NEST's structure and client mix.
• Enness Global: Specialist UK mortgage broker serving high-net-worth, self-employed, and complex-case borrowers. The most comparable peer for NEST's emphasis on complex-income advisory and personalised service.
• Coreco: Independent UK mortgage broker specialising in complex income, high-value, and buy-to-let lending. Closely comparable to NEST in its emphasis on advisor-led advice for non-standard borrowers.

Broad incumbents

• Mortgage Advice Bureau: UK-wide mortgage broker network with thousands of advisers, listed on AIM. Operates a similar whole-of-market advisory model at much larger scale, providing a relevant incumbent benchmark for NEST's potential growth path.

Emerging players

• Habito: UK digital-first mortgage broker using proprietary technology to source products across the market. Provides a competing distribution model that exerts fee and service pressure on traditional brokers like NEST.

Others

• The Right Mortgage Ltd: NEST's Appointed Representative principal, providing the FCA authorisation, compliance framework, and sourcing infrastructure underpinning NEST's regulated activities—an adjacent ecosystem participant rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nest-mortgage-and-financial-solutions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NEST MORTGAGE AND FINANCIAL SOLUTIONS LTD