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.
Our office hours are 9am-5:30pm Monday to Friday excluding public holidays
26 The Quadrant
I am a first time buyer & this can be a very overwhelming process. However, I had the pleasure of dealing with Reena & Jay & I am above & beyond satisfied with their professionalism & service. Nothing was too much of an issue. they guided me, explained everything in plain English & assisted me every step of the way. Absolutely fantastic - Thank you
As others have mentioned, extremely poor service and communication skills. They will often not attend scheduled phone calls, will delay replying to emails for extended amounts of time and will often ask for things you've already provided them. Went with another provider and was offered a mortgage in principle within a day. Most of the positive reviews seem to have a similar written pattern, I'm not going to say they're fake but having dealt with Censeo, my experience has had no positives.
I am very pleased and satisfied with the services I have received from Censeo throughout the whole process for my mortgage application. As a first time buyer I had very limited knowledge on what to expect and the necessary steps to get to completion of sale. My mortgage advisor David was very helpful right from the start and professional. Any questions or concerns I had he gave thorough information which made me feel comfortable. My case manager Jay has also been brilliant every step of the way. When my first lender fell through both Jay and David gave me reassurance and helped me feel at ease to secure a new lender. Both Jay and David gave me all the Information advice and guidance (IAG) required and nothing was to much of an ask for any an query I had. I highly recommend Censeo especially for first time buyers like myself wanting to get on the property ladder.
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.