Company Information

Albani Group is a structure of two independent companies each of which provide different services to home owners.
- The functions of each company are entirely separate and transparent and are operated in accordance with ESG Criteria (See: Ethical Finance):
  - Albani Limited (Albani) incorporated in England under company number 5808405 is a financial services company providing home owners with:
    - Specialist Open-Bridge Finance (CHAIN FREE® Fall Back Price® and CHAIN MENDER® Provisional Price™)
  - Home Owners Plan Limited (Plan Company) incorporated in England under Company Number 6944615 provides home owners with:
    - CHAIN FREE® a chain-avoiding insurance type arrangement through the Home Owners Plan™ (Plan) and
    - CHAIN MENDER® a chain-mending solution.
Regulation
- Albani Limited is Authorised and Regulated by the Financial Conduct Authority (FCA) Reference No. 457682
  - Mortgages & home finance:
    - Arranging (bringing about) regulated mortgage contracts.
    - Making arrangements with a view to regulated mortgage contracts.
- CHAIN FREE® and CHAIN MENDER® are not regulated loans:
  - Regulated loans are those on a property the “home owner” is living in or going to live in (FCA PERG 4.5.11 G).
  - When you take Albani finance (CHAIN FREE® Fall Back Price® or CHAIN MENDER® Provisional Price™) which you can use to pay off your mortgage your house must be contemporaneously empty and vacant.
- Home Owners Plan™
  - Not a Collective Investment Scheme (FCA confirmation)
- VAL FREE®
  - Mortgages and home finance are regulated loans provided by selected Mortgage Lenders and Islamic Banks.
- Estate Agents
  - Not regulated by the FCA for either CHAIN FREE® or VAL FREE® (FCA PERG 4.5.11 G).
FinTech
- Albani Group conducts its business using the latest electronic technology.
- Our cloud-based systems enable us to interface paper-free with customers, their solicitors, estate agents and other stakeholders.
- All Documents (including the Plan T&Cs) are on-line in a standard form and subject to HM Land Registry conditions can be signed electronically.
Coronavirus
- Our Valuation Surveyors are members of the Royal Institute of Chartered Surveyors (RICS):
  - Our Valuation Surveyors inspecting your property for sale will follow RICS guidelines
If you have any questions please Contact Us.
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