At the NEST, we understand how important it is that your property and belongings are protected should an emergency occur. Therefore, we provide a comprehensive service of providing buildings and contents insurance to homeowners and landlords.
If your home is damaged or destroyed, the personal cost to you can prove extremely damaging, which makes it difficult to ensure that your mortgage payments, or other important financial monthly outlays are met. Equally, if you are the victim of theft, then contents insurance allows you protect your possessions.
Depending on your situation, you may not need both building insurance and contents insurance – we can work with you to figure out the most suitable policies for your needs.
Buildings insurance will cover your home from such things as fire, flood and subsidence. Most lenders will insist that you take out and maintain buildings insurance to protect your property.
Contents Insurance protects your possessions against loss or damage caused by incidents such as fire, water and oil leaks, theft, vandalism, impact, storms and flooding, subsidence, heave and landslip.
Lenders will always have their own policy rules, but contents insurance will generally cover:
- Electrical goods, such as computers, TVs, DVD players and stereo equipment
- Furniture, such as glass tables, sofas
- Clothing or bags, that have been stolen
Some policies may even extend the cover to the contents of your garden shed. Contents insurance can also cover your personal possessions or furniture if you are the tenant in a rented property, or if you are on a trip abroad.
We are dealing with the insurances and mortgages markets every day and know exactly when new products or new incentives become available. All this, balanced with our years’ knowledge and experience as qualified advisers, means we are in a strong position to find you the right option to suit your needs.
You need to remember, for insurance purposes, the policies for building and contents will cover the replacement value, not always the market value. This means you may need to research the cost of rebuilding your house, rather than what you would get for it, if you sold it. Conversely, for contents, you should find out what the costs of replacements would be for all your possessions – it may work out to be more than you think when you add it all up!
To check your rebuild cost for free, you can go to Association of British Insurers (ABI) Public Rebuild Calculator of the Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS) https://abi.bcis.co.uk/.
NEST is fully committed to providing a professional service and the most suitable insurance options to all applicants, who come through to us. We make an effort to get to know you and understand your needs, worries and plans. With our remote service, we are perfectly equipped to work out the right protection to suit your mortgage, your possessions, and your situation, wherever you are based in UK.
Hi, 100% recommended. Ania was very helpful from the beginning to the completion. She explained everything clearly, great service, super person Thank you so much Ania!
Thank you Ania again for your amazing service. You handled my re-mortgage previously and I had no doubts with returning to you for our house move this year. You filled us with confidence from the first step, even offering your advise on properties we were considering, before we had made a final decision. You shared in our excitement when we had our offer accepted and were with us through the entire process of the purchase. We had complete confidence in you finding the best deal for our mortgage and I would happily recommend your services to any of my family and friends looking to move in the future. Thank you for everything.
As a first time buyer Ania took me through each stage of the process in a kind and reassuring manner, taking the time to give me a full understanding of each stage of the mortgage process. Ania provides a true 5 star service at each stage of the process, her knowledge and professionalism are second to none. I would wholeheartedly recommend Ania & Nest to everyone I know if they were looking at taking out a mortgage. Thanks again Ania.
I thought that buying my first property and applying for a mortage will be difficult, but not with Anna Cooper! I could not imagine more knowledgeable and professional mortgage advisor. She made sure I understood all steps of mortgage application, advised me on all possible options, answered all my questions. I was informed about every stage of my application. I would definitely recommend Anna's services and I can't wait to remortgage and work with Anna again.
Firstly, I would like to start this with a massive thank you to Ania Cooper. Getting a mortgage and moving home can be one of the most challenging experiences, Ania made it a comfortable and pleasant experience. From the start of the process to the end her communication was exceptional and was always fast in her responses. Ania was professional, had a great knowledge and she is committed to offering a great service. My partner and I will not hesitate in recommending Ania going forward and in the future will be using her when we need again. Thank you again Ania!
Absolutely recommended. Ania was helping us from the very beginning to the completion. It's nice to feel that there is someone you can fully rely on in this long and difficult process. As a busy mother, I appreciated the fact that Ania took up all the things and advised me at every stage. Thank you so much Ania!
Hi Guys just wanted to say a huge Thank you for getting our clients to exchange today after all that has happened in this tough time and also with the clients. Thank you for providing a really great and speedy service. Highly recommend you to all of our clients. Thacker & Revitt are really pleased you are on board with us independently. Lots more referrals to come your way.
First of all, it was a pleasure have a business with Anna. I was First time buyer and obviously no knowledge how it workes. Anna was my angel in the dark, honestly. She was so professional and helpful. She guided me through all procedures, explaining the low, find the perfect deal with a mortgage, advice and many many more. I am so happy now with my new flat and thank you Anna for everything you done for me.
I simply must recommend Ania Cooper to anybody who is looking for excellent mortgage broker services. Ania has arranged for our personal residence mortgage when our offer on the house was first accepted. Because of Ania's systematic approach, an eye for detail and long-term strategic thinking everything went smoothly. It was amazing to see her literally throwing herself into the process with an absolute 100% commitment. I guess that would be really easy to do for someone who has such depth of knowledge of the mortgage and protection markets and such great insight. Ania is inspirational, down to earth, engaging, professional and yet personal. As we have come to learn very quickly, to have Ania in our team meant for us to have things done to a very high standard and in a timely manner. With her high work ethics showing all the way through, Ania guided us through a complicated process of acquiring a mortgage right to the completion. What was impossible or hard to achieve for other mortgage brokers that we spoke with, became a reality for us when Ania entered our house purchasing process. There are really no appropriate words to thank her enough for her hard work and commitment to our success. THANK YOU, ANIA!
Profesjonalne podejście do klienta, najpierw dokładna analiza naszych oczekiwań by później indywidualnie dobrać usługę i ofertę pod nasze potrzeby. Bardzo dokładnie i prostym językiem wytłumaczone warunki umowy, dzięki szybkiej reakcji i działaniu Ani dostaliśmy bardzo dobrą ofertę która była dostępna na rynku, Ania zmobilizowała nas do szybkiego kompletowania dokumentów i dzięki niej mając wszystko pod kontrolą ta oferta była dla nas dostępna. Z czystym sumieniem polecam Anię bo jest najlepsza w swoim fachu. Jej profesjonalizm i podejście do klienta jest widoczne już na pierwszym spotkaniu.
We have to say a huge thank you to Ania. Ania was able to find us the right mortgage for us under unique circumstances to get us our dream home. Nothing was too small to ask for her assistance on and I put it down to her efforts on us securing our property. Professionally Ania is dedicated and extremely motivated to succeed for her clients but is also extremely approachable on a personal level. I will be keeping in contact with Ania with future business without a doubt.
I had that pleasure of dealing with Ania twice so far and can honestly say, that will confidently do it again. Ania is not only friendly, helpful and honest person, but most importantly she is very knowledgeable, experienced and always happy to advice and direct. Full professionalism and individual approach to her customers. Thank you Ania!
I highly recommend Anna's services. She is the right person in the right place. Anna is very helpful, kind and patient. She explained everything to us very precisely and helped us make the right decision. She makes buying a house much less stressful experience.
Our mortgage was not straight forward, however, Ania’s knowledge of the subject has helped us to secure our first mortgage without any problems. She was very helpful, knowledgeable, friendly, prompt and always above and beyond. Her customer service skills and clear vision of the process were remarkable. We will be definitely returning to Ania when we are due for a re-mortgage, as Ania is certainly a professional in the right place.
Absolutely first class service from Anna Highly recommended and I would never consider using anyone else. Brilliant!
Ania was very helpful from the start to the end. Nothing seemed to be a problem. My partner and I are the first time buyers and it was important to find someone who will guide us all the way through. We've had a few meetings with different mortgage advisors and nobody explained to us everything as good as Ania did. That's why we decided to go ahead with Ania. I highly recommend Ania's service to everyone who is looking to buy a home or remortgage.
I would like to highly recommend Ania's services. It is a reliable company and of course a passionate person who will advise and answer every question. We couldn't get any better advice. We have easily passed a large number of domains thanks to the support of Ania. We highly recommend her.
Anna is very informative, helpful and reassuring. As a first time buyers we had no idea about the whole process. She helped us not only to find the best mortgage deal but also gave us advise about estate agents. She saved our time and money. Thank you. We would definitely recommend her service.
Professional advice, very friendly service, very quick information exchange, answer to every task. Definitely coming back for remortgage.
Ania was extremely helpful and knowledgeable. Ania’s professional advice and support has been of the highest standard. I am very happy that I followed her recommendation to remortgage my property instead of staying with my current lender as it saved me a lot of money. I honestly can recommend Ania to anybody who needs great mortgage advisor.
Mortgage advisor you can trust. Ania took care of all the formalities related to our remortgage to the smallest detail. Professionalism in a pleasant atmosphere. I highly recommend her service.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
NEST Mortgage and Financial Solutions fees are payable on application. Our typical broker fee is £495, however this may be subject to a change, dependent on your status and circumstances.