Other Schemes

Other Schemes

Home Owners Plan™

Offer to buy from desperate sellers
Unique – Insurance type arrangement enabling seller 20 weeks to buy and sell
Bridging
Distinctive Specialist open-bridge finance
Interest-free, non-recourse, non-status
Selling services

Looking at things differently – helping sellers buy at best 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
Sellers can sell for MV
Bridging can cost 9%
1% Fee
Quickly commit seller to sell
NO
20 weeks to sell/or decide not to
We buy any house any where
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
Up to 10 weeks for Estate Agent to consider if/when seller should join Plan
“Quick Sale“companies discourage estate agent advice
20 weeks for Estate Agent to suggest if/when seller should take the Fall Back Price®
White labeled schemes saturating the market with identical old hat solutions
Unique
We will not White Label
Must sell before buying
NO
Must accept fixed price

NO

Must agree to sell
NO
Schemes with Fees up to 3% 
1% Fee 
Use
unqualified
“local representatives”
to inspect 
NO
RICS 
Finance based on a valuation model
YES
and RICS after internal property inspection
Abortive costs
NO 
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
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
3 days
Finance from unregulated company

NO
Albani Limited/FCA: 457682

Variations on a theme
NO
No obvious competitors –
sellers can buy before selling 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