Estate Agent – Other Schemes

Other Schemes

Home Owners Plan™

Offer to buy from desperate sellers
Unique – CHAIN FREE® is an insurance type arrangement (available through the Home Owners Plan™) enabling the seller to say they are a Cash Buyer while their own High Street Estate Agent is selling their house for Asking Price See: An Example
Distinctive – Specialist open-bridge ethical finance (interest-free, non-recourse, non-status)
Selling services
Looking at things differently – Insurance just in case – helping sellers to buy (not having to sell when desperate) See: The Conundrum
Exclude estate agents
Increases and secures instructions for High Street Estate Agents with sole agency (customer exclusivity) See: How it Works
Restricted to a named firm
Home owner can choose any firm of Estate Agents See: Customer Proposition
Nothing for estate agents
CHAIN FREE® increases footfall and earns additional fees for Estate Agents (£1,000 + VAT Success Fee and 1.5% + VAT Resale Fee)
Estate agents must provide a valuation
Not required
No estate agent advice
Estate Agents can advise before and after the house is on the market
Bridging can cost 9%
1% Fee
Quickly commit home owner to sell
Home owner has no legal obligation to sell. CHAIN FREE® makes the seller a Proceedable Buyer See: Benefits
Heavily discounted “quick sale” to “cash buyer”
The Plan is not a vulture fund (does not buy houses). With CHAIN FREE® the seller has 20 weeks (extendable to 40) to decide what to do
Home owners have to sell for less than MV
Home owner never has to sell for less than MV
Not taken by home owners until they are desperate, when a sale goes wrong or if they can’t sell for more
Insurance – home owner can buy before selling
When seller commited – too late for estate agent advice
Estate Agent can advise seller if/when to take the Fall Back Price® (set the pace)
Home owners must sell before buying
CHAIN FREE® enables home owners to buy before selling
Home owner has to accept fixed sale price
Home owner can sell for MV
Home owner must agree to sell
CHAIN FREE® is an insurance type arrangement enabling the home owner to buy their next property with no legal commitment to sell own
Schemes with Fees up to 3% 
1% Fee 
“local representatives”
to inspect 
RICS Valuation Surveyors 
Generally offer the seller finance based on a valuation model
The home owner is selling their most important asset and expects a home visit and professional valuation that is current and accurate. CHAIN FREE® provides them with RICS Surveyors Valuation after an internal property inspection
Abortive costs
Take it or leave it proposition
Status quo vs. Ethical Finance (no legal commitment take finance or to sell)
Nothing for buyers
Buyers have access to VAL FREE® mortgage offers
Part Exchange from 70% MV
If, after proper marketing (20 weeks), the home owner doesn’t receive an offer at their Asking Price the Fall Back Price® will be MV on the house they are selling (we will pay any Additional Rate SDLT on the property they are buying)
Assisted Move provides sellers buying new build with 4 week sale opportunity conditional on subjugated buy/sell arrangements
Home owner can have up to 40 weeks to sell at Asking Price during which time they remain in control of the buying/selling process
Home owner must use a designated
estate agent
Home owner can chose any High Street Estate Agent to sell their house and to make an Application for CHAIN FREE®
Payment in 12 weeks
Home owner can take the Fall Back Price® in 3 days
Sold by vulture funds to desperate sellers
Variations on a theme
CHAIN FREE® is unique


  • 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 CHAIN FREE® and CHAIN MENDER® pre-valued houses will know at no cost to them what valuation they can expect from their VAL FREE® mortgage lender.
  • Additional fees for your firm.
    See:  Your Fees
  • 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 Albani provides

Market liquidity

Shorter time from exchange to completion

Buyers Anti-Guzumping Provision

Genuine service to home movers

Useful links