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What Is The Buying Process?

  1. Register for Affordable Home Ownership – This can be with an affordable home ownership portal like or direct with a housing association, local authority or developer.
  2. Eligibility – Have an affordability assessment with Censeo to check you meet the eligibility criteria
  3. Viewing – Reserve a property paying the reservation fee and completing the paperwork
  4. Financial assessment – Have a detailed financial interview, reviewing your documents with Censeo.
  5. Allocation – The housing association, local authority or developer will allocate the property
  6. Confirm the offer – They will confirm the property allocated to you. You must accept this offer within 5 days and pay the reservation fee.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. Completion – The money to buy your home is transferred to the housing provider.
  13. 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.
  14. Congratulations – You own your own home
  15. 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

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 £445, 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.

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