Other Schemes

Other Schemes v2

Home Owners Plan™

Offer to buy from desperate sellers
Unique – Insurance type arrangement.
Bridging
Distinctive Specialist open-bridge finance,
interest-free, non-recourse, non-status.
Selling services

Helps sellers buy at lowest price before selling for highest.

Exclude estate agents
NO.
Increases and secures instructions.
Restricted to a named firm
NO.
Any High Street Estate Agent.
Nothing for estate agents
NO.
£1,000 Success Fee if sale over Fall Back Price® and 1.5% Resale Fee.
Estate agents must provide valuation
NO.
Prices heavily discounted by “Cash Buyer” companies
Seller can sell for MV.
Bridging can cost 9%
Quickly commit seller to sell
NO.
20 weeks to sell / or decide not to.
We buy any house anywhere
NO.
Selective.
Have to sell for less than MV
NO.
Taken by sellers when a sale goes wrong, or if can’t sell for more
Time for Estate Agent to sell for Asking Price.
“Quick Sale” companies discourage estate agent advice
Time for Estate Agent to consider if / when seller should join the Plan.
White labeled schemes saturating the market with identical old hat solutions
Unique.
Albani will not White Label.
Must sell before buying
NO.
Must accept fixed price

NO.

Must agree to sell
NO.
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 
NO.
RICS. 
Finance based on a valuation model
YES and RICS after internal property inspection.
Abortive costs
NONE. 
Take it or leave it proposition
NO.
Disruptive – Status quo vs. no legal commitment to take finance or to sell.
Nothing for buyers
NO.
VAL FREE® mortgage offers and SMARTMOVE®.
Part Exchange from 70% MV
Fall Back Price® will be MV if in 20 weeks no higher offer received.
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
estate agent
NO.
Payment generally 7 > 14 days
NO.
5 days.
Finance from unregulated company

NO.
Albani Limited / FCA: 457682.

Variations on a theme
NO.
IMPORTANT POINT: No obvious competitors – sellers can buy before selling
and can recoup 1% Fee with no legal requirement to sell or to take finance.
  • 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 pre-surveyor valued houses will know at no cost to them what valuation they can expect from their VAL FREE® mortgage lender
  • 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

  • What the Government wants and we provide

Market liquidity

Shorter time from exchange to completion

Buyers Anti-Guzumping Provision

Genuine service to home movers