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
Dwayne and Jack have been an amazing help and support all along the service! I have been unluckily finding my dream flat when Liz Truss crashed the economy but they both worked extremely well to help me secure a mortgage with a very decent interest rate fixed for 5 years knowing the situation of the country. They both worked extremely quick while staying very communicative and informative as this is my first buy. I totally recommend Censeo services!
We are very happy with their service. It was very professional and effective. They found a good mortgage offer for us although the process was quite long because of our circumstances and we successfully completed the purchase. Special gratitude for Anthony, Jay and ladies of the administration.We definitely would recommend them to all first time buyers.
Reliable, quick and helpful.I am very pleased with the service offered at Censeo as a first time buyer.I loved their online service to check the affordability which made the beginning of the process smoother comparing to other companies.Mollie and Jay responded to my queries the same day, provided timelines when they could, and communicated everything with my solicitor and sales executive. Thank you!
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!
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.
