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- What Is The Buying Process?
What Is The Buying Process?
- Register for Affordable Home Ownership – This can be with an affordable home ownership portal like sharetobuy.com or direct with a housing association, local authority or developer.
- Eligibility – Have an affordability assessment with Censeo to check you meet the eligibility criteria
- Viewing – Reserve a property paying the reservation fee and completing the paperwork
- Financial assessment – Have a detailed financial interview, reviewing your documents with Censeo.
- Allocation – The housing association, local authority or developer will allocate the property
- Confirm the offer – They will confirm the property allocated to you. You must accept this offer within 5 days and pay the reservation fee.
- Instruct your mortgage advisor & solicitor You only have 28days to exchange contracts, so there is no time to waste, and you need experienced professionals by your side to guide you. Censeo have supported you through the buying process so far so we can now quickly source a mortgage that is right for your needs. We can also put you in touch with solicitors who know the affordable homes market and can achieve the exchange of contract target date and ensure you don’t lose the property.
- Issue the legal paperwork – The housing association, local authority or developer will instruct all solicitors with the legal paperwork as soon as you confirm acceptance of our offer.
- Conveyancing – With the exchange of contracts deadline noted. Your solicitor must review and collate all the information. They will go through the legal paperwork with you, so you know about your home.
- Mortgage progression – At the same time as your solicitor is working on the legal work. Censeo will work with the lender to issue the mortgage offer before the 28day exchange of contracts deadline.
- Exchange contracts within 28days. Your solicitors have confirmed the legal paperwork with you and between you agree to complete as soon as the property is complete.
- Completion – The money to buy your home is transferred to the housing provider.
- Move in – As soon as the housing provider receives the money from your solicitor, our sales team will contact you to arrange to meet you at your home to hand over the keys. This can only be done once the housing provider has transferred the funds for the share you are buying – Generally this is between 11am – 5pm.
- Congratulations – You own your own home
- Annual review – Censeo will keep in touch with you annually to carry out a mortgage health check to ensure you have the best mortgage and that it is meeting your personal needs.
Your home may be repossessed if you do not keep up repayments on your mortgage
Contact Us
Our office hours are 9am-5:30pm Monday to Friday excluding public holidays
Address:
Oriel House
26 The Quadrant
Richmond, Surrey
TW9 1DL
Tel 0207 090 7290
Email info@censeo-financial.com
Latest Reviews

Gizem O
a year ago
G Tilgalis played an instrumental role in facilitating my mortgage application process. As a first-time homebuyer, I found his service to be exceptionally valuable. I wholeheartedly recommend Censeo, owing to the outstanding support provided by G Tilgalis.... read more

Debbie Villa
a year ago
Censeo was very helpful in helping me working out my finances and secure the property I was after. Mollie and Anthony were great, always happy to help and great at keeping me updated on the progress of my application. Highly recommended.... read more

Jesus Gomez-Escalonilla Guijarro
a year ago
I recently worked with Censeo as my mortgage broker for a shared ownership property, and I am truly grateful for their outstanding service. Ruth and Dwayne were instrumental in guiding me through the entire process.Despite some unexpected hurdles with the EPC ratings for the house, Ruth's expertise and commitment were evident. She navigated the challenges efficiently, ensuring all issues were addressed promptly. Without her proactive approach, I'm certain the process would have been far more stressful.Ruth and Dwayne not only saved me a significant amount of time but also provided unwavering support during what could have been a daunting experience. Their professionalism, attention to detail, and commitment to client satisfaction are truly commendable.I highly recommend Censeo to anyone in need of mortgage services, especially for shared ownership properties. Thank you, Ruth, Dwayne, and the entire Censeo team, for turning a potentially stressful situation into a smooth and successful homebuying experience. Your expertise and personalized approach set you apart, and I am genuinely grateful for your assistance.... read more

Arpad Pal
a year ago
We purchased a flat recently and had an opportunity to use Censeo Financial as a mortgage advisor.I have to say, they are very helpful and more then capable to handle all our questions and I will go back to them in the future as well.Thank you G Tilgalis for all your help and the professional service you provided for us.It was a big help for understanding everything as our first buy project.... read more

Makesi Seon
a year ago
Anthony and his team were fantastic. As first time buyers they guided us through the entire process, not just helping to secure the best deal but offered further advice with conveyancing and insurance. They were very easy to communicate with, they always responded to emails and we are grateful for the patience they showed.We highly recommend them and will continue to use them in the future.... read more

Rayisa Siryk
a year ago
As a first time buyer of share ownership I have been advised to contact broker mortgage advisor at Censeo Financial.And Dwayne Simpson the best of the best mortgage advisor. He got the excellent deal for me from the high street bank despite that I have very particular case.I would be always grateful to him for the time and patience to talk to me.Thank you from the bottom of my heart, you have changed my life to the best!!!... read more
Censeo Financial is a trading name of Censeo Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Censeo Limited is registered in England and Wales, company registration number 06453977, the Registered Address 11b Newton Court, Pendeford Business Park, Wolverhampton, WV9 5HB.
We will charge a broker fee of up to £495, payable on application. The amount we will charge is dependent on the amount of research and administration that is required.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
We will charge a broker fee of up to £495, payable on application. The amount we will charge is dependent on the amount of research and administration that is required.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.