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Ethical Finance

  • Ethics are the moral principles governing or influencing conduct
  • Albani intends to be the Global Leader / Provider of Ethical Finance for homeowners (franchising its business model in the main homeowning countries / for details please Contact Us)
  • Treating customers fairly, best practice and transparency are core to our business
    • We will not advertise the financial services of home finance providers (Home Purchase Plans / HPPs) or brokers or lenders (mortgages)
    • We do not pay or take commissions from third parties (this also applies to all SMART MOVE® products and services)
    • Our Offer Documents and Drawdown Documents are in a standard format and are online for you, your agent, solicitors and advisors to see
    • You are not legally committed to sell your home (we do not buy your house) or to take our finance until your solicitors send us a Drawdown Notice
    • Because we do not buy your house the Drawdown Documents include a Sale Contract (our Legal Department will add the buyers name) and Transfer for you to sign so your house can be sold and we can recoup our finance
    • Your solicitors must confirm that you want to take our finance (to protect you and to prevent fraud)
    • We will not Guzump buyers of a house we are selling (when the seller has taken our finance)
    • All complaints will be handled personally by the CEO. Email: complaints@albani.finance
  • Consumers no longer trust the financial system and have an appetite for change (we believe this means full transparency)
    • Ethical finance (our finance) describes finance which takes into account not only financial returns but also Environmental, Social and Governance  (ESG) Criteria
    • Our finance is
      • interest-free
      • open-bridge (no fixed repayment date which obliges you to re-pay by a specific date)
      • non-recourse (non-recourse means you have no legal obligation to repay us *)
        * If you want to take our finance we will ask you to sign a Sale Contract (leaving the purchasers name blank for our Legal Department to fill in later) and Transfer so we can sell your house to recover our finance
      • non-status (we are not interested in your financial circumstances)

CHAIN FREE®

  • Sellers Conundrum
  • You will never have to sell your house for less than market value. Treating Customers Fairly
  • You can use Our Offer of Finance (Fall Back Price®) to secure your next home with no legal commitment to take the Fall Back Price® and no legal commitment to sell your house
  • Plan Membership Fee: 1% Fall Back Price® (1% Fee) is back-ended with No Sale – No Fee. See: Home Owners Plan™ Clause 3 and 4 for details
  • CHAIN FREE®: 8 weeks to join the Home Owners Plan™ plus 20 weeks Plan Membersip = 28 weeks vs. 16 weeks average time from 1st day of marketing to contract exchange. The Advisory
    • 7 weeks to get an acceptable offer
    • 9 weeks from offer accepted to exchange

CHAIN MENDER®

You should only use CHAIN MENDER® when your solicitors can’t delay exchanging contracts on your next home

VAL FREE®

  • Borrowers Conundrum
  • You know your buyer
    • Has a genuine mortgage or Home Purchase Plan (HPP) offer (Treating Customers Fairly)
    • Can choose from a selection of VAL FREE® mortgage lenders (available through brokers)
    • Can choose from a selection of VAL FREE® home finance providers (available directly from the provider)
    • Is more likely to proceed (with a clearly Transferable Mortgage).

Governance

  • We do not charge interest
  • We have a profit-sharing arrangement for all employees
  • Our business is operated in accordance with ESG criteria and complies with UK GBPR  regulations
  • We will donate up to 5% of our annual profits to charities/non-profit making organizations that promote cross-cultural support and understanding provided they have absolutely no religious connection or bias. The charities / non-profit making organizations selected to receive donations to 31 March 2027 are
    • Barenboim-Said Foundation coordinates the East-West Divan Orchestra and workshop for young people with the aim of combining musical study and development with the sharing of knowledge and understanding among people from cultures that traditionally have been rivals
    • Medecins Sans Frontieres provide medical aid regardless of race, religion or politics and tries to raise awareness of the plight of the people they help
    • Seeds of Peace does what no government can. It brings together young people, principally from different countries in the Middle East, to develop empathy and respect for each other and to give them the confidence to see the human face of their enemies by empowering them to emerge as tomorrow’s leaders
    • World Land Trust protects and sustainably manages natural ecosystems of the world. To ensure their biodiversity, with emphasis on natural habitats and endangered species
  • Albani will