Treating Customers Fairly

  • When you become a member of the Home Owners Plan™ with CHAIN FREE® you will never have to sell your house for less than Market Value (the Market Value of your house is the highest offer your Estate Agent receives after proper marketing for sale when no higher offers have been received resulting in an exchange of contracts).
  • Applications:
    • Please ensure that all information submitted in your Application is true and accurate in all respects.
  • Additional Facility Period:
    • A revised Valuation will be required which will result in a revised Fall Back Price® (Contact Us for details)
  • Upgrading:
    • If you upgrade from DataSource Valuation your 1% Fee will increase if the RICS Surveyors Valuation is higher.
    • The revised 1% Fee will be calculated on the revised Fall Back Price®.
  • We will return the Administration Fee:
    • If your solicitor informs our Legal Department that your house is not freehold and does not have a Land Registry Title Number.
  • You can:
    • Return to your house after taking the Fall Back Price® and retain ownership providing you repay us the Fall Back Price® before your house is sold through the Plan (you gave us vacant possession). No Charges – No Costs.
    • Rent your house after taking the Fall Back Price® and before it is sold through the Plan (useful if your next property is not ready) providing your house already complies with The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020.
    • Please Contact Us for details.
  • Your solicitors can obtain verification from our Legal Department of our financial credentials by quoting your URN (on the top of all correspondence from us).
  • You can decline permission to Albani to share information. Please see our Privacy Policy.
  • Although our finance is interest-free we have to show the APR. Please see APR? which explains what this means.