Other Schemes

Other Schemes

Home Owners Plan™

Offer to buy from desperate sellers
Unique – Insurance arrangement
Bridging
Distinctive – Specialist open-bridge finance,
interest-free, non-recourse, non-status
Do not help sellers buy

Makes sellers Proceedable Buyers (Gap in the Market)

Exclude agents
Increases and secures instructions
Restricted to a named firm
Seller’s choice: High street, Online or Hybrid agent
Nothing for agents
£1,000 Success Fee if sale over Fall Back Price® and 1.5% Resale Fee
Agents must provide a valuation
We do not ask agents for a valuation
Prices heavily discounted by Quick Cash Sale Industry
Seller never has to sell for less than MV
Bridging can cost 9%
1% with no commitment to sell / take finance
Quickly commit seller to sell
8 weeks to join the Plan then 20 weeks to sell / or decide not to
We buy any house anywhere
Selective
Local Authority areas where prices stable or rising
Have to sell for less than MV
Seller never has to sell for less than MV
Taken by sellers when a sale goes wrong, or if can’t sell for more
20 week insurance of Fall Back Price® while agent selling for asking price
Quick Cash Sales discourage agent advice
20 weeks for agent to advise
White labelled schemes saturating the market with identical old hat solutions
Unique
Albani will not White Label
Must sell before buying
Seller can secure next property before selling own
Must accept fixed price

20 weeks to sell for highest

Must agree to sell
CHAIN FREE® is a safety net if seller can’t wait to sell for asking price
Schemes with Fees up to 3% 
1% Fee (back-ended) 
Use
unqualified
“local representatives”
to inspect 

RICS 
Finance only based on AVM
RICS option after internal property inspection
Abortive costs
The seller has no abortive costs. 
Take it or leave it proposition
Disruptive – Status quo vs. no legal commitment to take finance or to sell
Nothing for buyers
VAL FREE® (valuation-free Mortgage Offers) / Buyers Anti-Gazumping Guarantee™ /
SMART MOVE® (Targeted Marketing)
House builders PX from 70% MV
Fall Back Price® will be MV if in 20 weeks no higher offer received / no capital cost or risk for builders
Assisted Move sellers have sale opportunity conditional on subjugated buy / sell arrangements
20 weeks to sell at asking price / remain in control of buying / selling process
Must use designated
agent
Any agent
Payment generally 7 > 14 days
5 days
Finance from unregulated company
VAL FREE® Brokers
Variations on a theme
No obvious competitors making sellers Proceedable Buyers – sellers can buy before selling and can recoup 1% Fee with no legal requirement to sell or to take finance
  • IMPORTANT POINT: What the Government wants and we provide
    Market liquidity
    Shorter time from exchange to completion
    Buyers Anti-Gazumping Guarantee™
    Genuine service to home movers
  • Sellers can’t sell until buyer has a mortgage valuation
    VAL FREE® solves that problem so sellers are not kept waiting
  • Buyers don’t want to incur abortive Valuation Fees
    Buyers of our VAL FREE® pre-surveyor valued houses will know at no cost to them what valuation they can expect from their VAL FREE® mortgage lender
  • Sellers in a broken chain
    Sellers use CHAIN MENDER® when their solicitors can’t delay exchanging.
  • Chain related products on the market but with inherent weaknesses
    Purchase offer restricted to heavily discounted MV
    Lack of flexibility
    Lack of customer option
    Restrictive purchase method
    Conflict of interest
    Market image