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 Censeoto 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. Censeohave 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. Censeowill 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 our solicitors
Move in – As soon as our solicitors receive 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 solicitors have transferred the funds for the share you are buying – Generally this is between 11am – 5pm.
Congratulations – You own your own home
Annual review – Censeowill 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.
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
Couldn't have asked for a better service from a mortgage broker. David was friendly, clear and very informative on the initial consultation. Jay was then very swift to process my case and get my mortgage approved. Would definitely recommend to any other first-time buyers applying for shared ownership!
My partner and I are getting a flat together. I am a first time buyer, but my partner is not. So we contacted some solicitors to ask questions regarding stamp duty, but they seemed very reluctant to help us. We almost missed the chance to go ahead as we were getting the wrong information and told to pay more than we actually had to. David helped us through the process of finding the right solicitor, through his recommendation, we were able to find an efficient law firm, and then proceeding with the mortgage application. Jay helped us through the application and thanks to them, we got accepted and got an offer very quickly. We can’t thank you enough. Trustworthy, efficient and helpful.
Reena and Ruth have been fantastic with me through the whole process. A special thank you to Ruth though, she's replied to my millions of emails...reassured me and gone above and beyond what most people would expect her to. I cannot fault the team and I cannot wait to have the keys to my new home within weeks. Thank you!!
The thought of dealing with anything mortgage and financial related seemed a bit daunting to me as a first time buyer, so using a mortgage broker made sense and was the best option for me. Thankfully, my Customer Relationship Executive, C******** was brilliant. She guided me through the possible options which best suited my financial suitability and wasn't biased with the financial products available to me. C******** kept me updated at all times via both telephone conversations and emails. C******** talked through any changes that were available to me. It was great hearing ALL available financial products which best suited my needs. Thank you for your time, guidance and support with my mortgage application.
Censeo Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which 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 £395, 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.
The Financial Conduct Authority does not regulate all Buy to Let mortgages.
