Mortgages

If you are approved by a housing association, local authority or developer to purchase a property through Shared Ownership or another affordable home ownership scheme, you will usually need to arrange a mortgage for the share you intend to buy.

Censeo Financial provides mortgage advice to customers purchasing through affordable home ownership schemes.

Our knowledgeable and friendly advisers will take the time to understand your individual circumstances and explain how the mortgage process works, including the different requirements that lenders may have when assessing an application.

Lenders each have their own criteria when considering a mortgage application. An adviser can carry out an assessment based on your income, expenditure and financial commitments to help you understand which lenders and products may be appropriate for your needs.

If you choose to proceed with a property purchase, your adviser can support you through the mortgage application process alongside your solicitor and housing provider.

Buying a home is likely to be one of the largest financial commitments you make, and many first-time buyers are unfamiliar with the mortgage and conveyancing process.

We can also provide ongoing advice and periodic reviews to ensure your mortgage arrangements remain suitable should your needs or circumstances change in the future.