Benefits

• What VAL FREE® (a valuation-free mortgage offer) can do:
  • SELLERS
    • of CHAIN FREE® and CHAIN MENDER® houses with VAL FREE® don’t have to wait for their buyer to get a mortgage valuation (takes time).
    • can sell their house to a buyer with an offered mortgage (valuation accepted subject only to status). See: How it Works
    • know their buyer is more likely to proceed (quicker exchange).
  • BUYERS
    • of CHAIN FREE® and CHAIN MENDER® houses with VAL FREE® have a valuation already accepted by selected mortgage lenders (if upsizing, the buyer has time to find any additional finance required).
    • can choose from a selection of lenders (no valuation fees to pay).
    • only have to satisfy the Financial Conduct Authority’s mortgage market review (MMR) rules (that they can afford to buy your house and that the mortgage suits their needs and circumstances).
    • can complete their mortgage with status checks complete within 10 days if their lender acts promptly (set up and ready to go).
    • will not be guzumped if they are buying a house Albani is selling (if the seller has taken our finance we will sell their house to recoup our finance).
    • we can not advise you if you should take a VAL FREE® mortgage offer (valuation accepted subject only to status); we can not recommend any financial product; we can only inform you of the names of the VAL FREE® lenders; if you need advice you must consult a solicitor, broker or independent financial adviser.

IMPORTANT POINT: We do not recommend or promote any firm of VAL FREE® mortgage lenders and we do not take fees or commissions.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.