Other Schemes

Other Schemes

Home Owners Plan™

  • Provides sellers with a chain-avoiding insurance type arrangement (CHAIN FREE®).
  • Guarantees your client finance (Fall Back Price®) for 20 weeks (Plan Membership).
  • Looks at things differently
Offer to buy from desperate sellers
Unique – Insurance type arrangement.
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 estate agents
Increases and secures instructions.
Restricted to a named firm
Any high street estate agent.
Nothing for estate agents
£1,000 Success Fee if sale over Fall Back Price® and 1.5% Resale Fee.
Estate agents must provide a valuation
We do not ask estate 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
20 weeks to sell / or decide not to.
We buy any house anywhere
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 estate agent selling for Asking Price.
Quick Cash Sales discourage estate agent advice
20 weeks for estate agent to advise.
White labelled schemes saturating the market with identical old hat solutions
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). 
“local representatives”
to inspect 

Finance only based on a valuation model
RICS 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) and SMART MOVE® (Targeted Marketing).
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
Any high street estate agent.
Payment generally 7 > 14 days
5 days.
Finance from unregulated company

Albani Limited / FCA: 457682. See: Regulation

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.
  • 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

  • What the Government wants and we provide

Market liquidity

Shorter time from exchange to completion

Buyers Anti-Guzumping Provision

Genuine service to home movers