Yes No

Yes No N/A

Yes No

House Flat

Yes No

Yes No
Yes No

Yes No

Employed Self-Employed Limited Company Owner

Yes No
Yes No

Single Ownership Initial Assessment Form

Private & Confidential

We are pleased to launch our new assessment portal for Shared ownership new build and resales properties. During testing period, your feedback will be much appreciated.

Launch *NEW* Shared Ownership Financial Assessment Portal (Beta)

You must fill out all sections of the assessment unless stated otherwise. Please enter N/A for fields that do not apply. Our aim is to confirm the outcome within 48 hours (excluding weekends)..

If you are making a joint application, click here.

Name of Housing Association or Developer:

Type of scheme

Full Name:

Date of birth:

Number of Dependants:

Age of each dependant:

Current Address:

Postcode:

Best contact number:

Email:

Have you lived in the UK for the last 2 years? Yes No

Do you have permanent UK residency? Yes No

Were you born outside of the UK? Yes No

Please state how long you have lived in the UK?

If you do not have permanent residency, please provide details of your visa/ work permit here:

I am: Employed Self-Employed Limited Company Owner

Occupation:

Start date with current employer?

Permanent contract? Yes No

Are you currently in a probation period Yes No

Details of any outstanding probation (if applicable):

Are you on a fixed contract? Yes No

If you are on a fixed contract, please give details of the start & end dates:

Start Date:

End Date:

Basic Salary before tax per annum: Guaranteed Allowances (please state e.g. London Weighting or Car Allowance) per annum:

TOTAL (basic & g’teed Allowances) per annum:

Overtime / commission per annum:

Bonus per annum:

What is your average take home pay per month after deductions? (taken from latest 3 x payslips):

Self-Employed Applicant Only

How many years' accounts or self-assessed tax returns are available?

Type of Business?

Date business established?

Last year’s net profit:

Previous year’s net profit:

Year before net profit:

Limited Company only:

Director’s salary for last year?

Director’s salary for previous year?

Dividend income for last year?

Dividend income for previous year?

Details of any other additional income

Child Benefit (per annum):

Child Tax Credit (per annum):

Working Tax Credit (per annum):

Maintenance income (by court order or CSA only):

Investment or Private Pension income:

Do you have a 2nd Job? Yes No

2nd job (please provide full details):

Are you able to provide proof of the above stated additional income?

Yes No N/A

Credit/Other Regular Commitments

How many credit/store cards do you have?

Total amount outstanding on all your cards? ( include 0% balance transfer cards in above total)

Do you clear the whole balance each month?

Yes No N/A

Do you have any unsecured loans or Hire Purchase agreements?

Yes No

What are the monthly payments on each loan?

How long left to run on each loan?

List any other loans along with time left on each loan

Car Finance / Lease?

Yes No

How long left to run?

Monthly Car Payment:

Are you making child maintenance payments?

Yes No

If so, state the amount per month & until when?

Are you making payments for Child care? Yes No

If so state the amount per month:

Do you have any regular deductions from salary for a Company Pension or Student loan? Yes No

If so state the amount per month:

Have you ever had a mortgage or loan application refused?

Yes No

Have you ever been in arrears, incurred County Court Judgements, Defaults, missed/late payments or been declared bankrupt?

FAILURE TO ANSWER THIS QUESTION ACCURATELY WILL AFFECT YOUR CHANCES OF OBTAINING A MORTGAGE.

Yes No

If ‘Yes’ please provide full details:

Savings / Deposit

PLEASE NOTE: You will need up to £3,000 - £4,000 to cover your legal and mortgage set-up costs. This will be in addition to any deposit that you intend to put towards the purchase.

Please state your own current savings here:

If you are in receipt of a monetary ‘gift’ from a family member please provide details here:

Is the ‘gift’ money held in the UK?

Yes No

Property Details

Address:

Postcode:

Full purchase price:

What percentage share are you buying and the price of the share?

How much deposit do you intend to put down?

Mortgage required:

Monthly rent (if applicable):

Monthly Service Charge (if applicable):

Type of property: House or Flat?

House Flat

If you have any other information that you feel may be relevant to your enquiry please provide it here:

Your Mortgage Arrangements

Censeo Ltd. combines the skills of award-winning financial services professionals with a deep understanding of the affordable housing sector.

It is most important that you take specialist advice since not all lenders will consider these schemes. Selecting the wrong lender or using a mortgage advisor not familiar with these schemes could delay your purchase.

We believe that a great business only exists if it delivers great service. The cornerstones to great service are truth, transparency and trust. Censeo following the initial assessment can guide you through the whole process until you move into your chosen property.

Please confirm whether you have already taken mortgage advice: Yes No

If yes, please provide the name of the company or bank that gave you the advice

Are they arranging your mortgage for you? Yes No

Would you like to discuss your options with one of our mortgage advisors? Yes No

I have read, understood and agree to the Data Protection Declaration: Yes No

I agree to further contact as described in Our Future Relationship: Yes No

Get in Touch

Our office hours are 9am-5:30pm Monday to Friday excluding public holidays

Address:
Oriel House
26 The Quadrant
Richmond, Surrey
TW9 1DL

Tel 0207 090 7290
Email info@censeo-financial.com

Censeo Financial

4.6

Based on 128 reviews

Eric M

00:08 14 Sep 21

As a first time buyer, my partner and I filled out a financial assessment to assess affordability for a property we... were interested in. It was so easy to do and they were so helpful about it - really great for someone who has no clue what they are doing. They mentioned they also offer mortgage advise and are experts in the field so it was a no brainer to go with them during this big step in our lives. Cannot thank them enough for all that they’ve done - they are so responsive and they clarify things for you so you can understand all the details before making big decisions. We were mainly looked after by Reena, Ruth and Miles but other members we came into contact with were also so lovely and I just cannot recommend them enough! Definitely will come back to them again when deciding whether to purchase more shares or buy a different property in the future! :)read more

denise bridges

10:37 07 Sep 21

I used Censeo for my financial assessment and mortgage advise to assist with completing my house purchase and I can... honestly say dealing with them has been the smoothest part of the process. Ruth and David are a complete asset to the company and they're the only people (amongst solicitors/sellers) that have been proactive and I haven't needed to chase for updates. Their communication is clear and concise and they worked really hard to get things done when there were delays or issues outside of their control. They always kept me in the loop and eased the stress of obtaining a mortgage offer. I will absolutely use Censeo again and will refer them to anyone for their house purchase. Thank you so much Ruth/Davidread more

Sher L

19:23 06 Sep 21

I was getting my first property and they were very helpful. I felt at ease. No question was stupid. They helped me to... find the best option to suit my needs. The whole process was quicker than I thought it would be (even though that didn't stop me stressing!). I would definitely go back to them in the future. Reena and Cejay were fantastic.read more

Luisa

17:33 29 Aug 21

Richard and Ruth have been amazing throughout the entire process. Not only were they extremely efficient, but they also... kept me updated every step of the way. I felt I was able to contact them with any question I had. They made the whole process of getting a mortgage seamless and I would recommend Censeo to anybody purchasing a property!read more

Irene Solomon

12:57 28 Aug 21

I had an amazing experience with Censio Financial. As a first time buyer I felt supported and everyone was always... responsive to all my concerns. My mortgage journey went smooth and quick. Would highly recommend. Thank you very much Dwayne, Ruth and Julian and the rest of the team.read more

Sarah Malpas

10:11 03 Aug 21

As a first time buyer, I was a bit hesitant about paying for a mortgage broker, however, it was totally worth it as the... whole process was smooth from start to finish. Deme and Jay were incredibly patient and understanding, and explained everything in a very clear way, so that I understood my options, and everything involved. They were very quick to reply to my emails and queries, and I trust that they found the best mortgage for my needs. I would not hesitate in recommending them. Cheersread more

Dan Cortese

11:50 14 Jul 21

Great service all round from these guys. Reena and Jay were great every step of the way. Being an expat I had a few... extra steps in my process relating to international funds and residency etc but they took care of everything and made the whole thing a breeze. They were really quick to reply to any concerns and keeping me up to date on progress. Thanks Guys!read more

Damian Worton

13:05 13 Jul 21

Fantastic service from Censeo Financial, the most professional, thorough and friendly business I’ve used for my... financial needs. My case in particular was far from ideal but Richard and Jay worked tirelessly to get the end result for me. Their communication is first class, always on hand and assisting me with my queries throughout the process. Have recommended to friends and family and I won’t be using anyone else in the future. Thank you Richard and Jay.read more

Paule LiJo

05:45 13 Jul 21

I purchased shared ownership property with the help of Censeo Financial and could not recommend them enough. I had... Dwayne as my broker who was an absolute wall of support. I am eternally thankful for his advices, patience and understanding. My case was not easy. Ruth joined on my mortgage journey later and was super helpful and very friendly with all my enquiries (and I had a lot!). In the end Censeo got me a better deal than I expected and all process was quick and stress free. I am super thankful!read more

luis valentine

10:57 23 Jun 21

Dwayne and the rest of the team are highly recommended. Dwayne was determined to find me the perfect mortgage product... and I felt fully supported as a first time buyer. Even though obviously very busy, they always responded and listened to my concerns, which made an incredibly stressful process much easier. Contact was regular and the whole process smooth. Thank you again!read more

Mr G

16:18 14 Jun 21

I am purchasing a shared ownership property and the service provided by Richard Seager and Jay Anderson has been great.... Richard has been my broker and has found me a mortgage with a very low interest rate very quickly. He also took the time to explain the ins and outs of the mortgage deal in detail. Jay has been my case worker and has worked quickly to process the application and keep myself and the Housing Association up to date with the progress until I received the offer from the lender. Jay was also very helpful answering queries I had. The whole experience was stress free.read more

Priya Devsi

16:46 08 Jun 21

I had a great experience with Censeo. I am a first time buyer and Reena and Jay were so helpful every step of the way.... The whole process was so smooth and i felt supported at each phase. They were both very quick to respond to any queries i had. Would definitely be recommending them!read more

Tatiana Guttekova

16:11 04 Jun 21

I had an amazing experience with Censeo. Reena and Ruth supported me every step of the way and were incredibly... helpful, efficient and kind. I will definitely use Censeo again in the future. A huge thank you for prompt and reassuring responses. I highly recommend Censeo if you're looking for mortgage advisers.read more

Debbie Roberts

17:03 20 May 21

I used them for buying a shared ownership property in London. Deme did my assessment and explained the process really... well and was very responsive to my needs. I really felt like she was on my side and that I could be open with her about my financial details and she would get me the best deal. It was then Jay who did the application for the mortgage and she was really quick and efficient and answered all my many email questions. Overall, a very positive experience.read more

Eva

13:19 13 May 21

Highly recommended for first time buyers. I'm doing shared ownership, Richard was patient and took me through all... information I needed and frankly, was quite lost in. He helped me get all my paperwork ready for the lender before they even requested it so it was smooth sailing from then on. Matthew was also great, incredibly responsive, didn't need to chase answers to my questions. I always had a reply to my email within a couple of hours. Very courteous, very helpful, gave me the confidence to apply for a mortgage, pretty much sorted it all out for me, will definitely contact them again as and when needed.read more

Becky Owen

13:38 05 May 21

I cannot recommend Censeo enough. Everyone I came into contact with was incredibly helpful, efficient and kind. A huge... thank you to Ruth who was always so prompt and reassuring in responding to all my first time buyer questions! And to David also for helping my get started on my journey. Thank you so much to the team and don't hesitate in going with censeo if you're looking for mortgage advisersread more

Samuel Ellis

20:16 29 Apr 21

The team at Censeo to handled and secured my mortgage application beyond my expectation. My advisor found the perfect... mortgage for my situation, whilst my case manager, Ruth went the extra mile to liaise with all the relevant parties to give every chance of my application being successful. They are very responsive and great value for money.read more

Sham S

17:52 29 Apr 21

Censeo were amazing to work with, particularly as a first time buyer, and I would not hesitate to use them again. From... my initial meeting with Dwayne Simpson who talked me through the options and process in a calm and uncomplicated manner, to the subsequent mortgage process. Jay Anderson in particular has been incredible in his response times to my queries and keeping me up to date with the process without being prompted! I felt the entire process was smooth, their communication was transparent and their professionalism couldn't be faulted. Thank you so much for helping me with the process!read more

h2016m HM

10:51 16 Apr 21

Thank you Censeo! 🥳 I am a first time buyer and had no clue about how things worked. Richard- you helped and guided me... through out this process. I felt that I was in safe hands. You're professional and always available to answer any questions I had. Thank you for your continuous and great communication. I would not hesitate to recommend you to my friends and family. A big THANKS to you and the Censeo team 🙌🌈😊read more

09:03 06 Apr 21

Reena was very helpful in getting a right mortgage and good deal for us in this pandemic.She was very efficient and has... wider knowledge of products in the market. We are great full to her for her prompt work followed by Matthew in getting things done very quick. Thanks Reena, Matthew and censeo team for the work done. Highly recommended.read more

Daria Kaczorowska

19:13 30 Mar 21

The best experience in the whole process of getting out new home. We highly recommend Censeo to everyone who is looking... for a support to jump on the property ladder. Anthony and Jay were helpful, responsive and on top of everything. They found us a mortgage and took us smoothly through the whole process. We will be staircasing with them soon. One thing we couldn’t do is to say ‘thank you’ in person for their high quality service and commitment.read more

Sophie Jones

21:27 22 Mar 21

Censeo helped me secure my mortgage application with total ease. As a first time buyer I was completely new to the... process and they guided me through with no problems and were always quick to respond to my questions. Highly recommend - lovely helpful staff too, particularly Jay Andersonread more

Leanne Earle

15:31 19 Mar 21

Censeo were a pleasure to work with as a first time buyer. They offered a friendly and professional service throughout... and shared a wealth of insider tips and expertise that I would not have had access to otherwise. A particular shout out to Richard Seager and Jay Anderson who kept me calm, made me smile and secured me a fantastic mortgage deal! Highly recommended. I am really thrilled to have found such a fantastic broker that I plan to keep going back to.read more

Giovanna Aiello

09:25 31 Jan 21

Being a first time buyer, I was totally overwhelmed but I felt immediately comfortable after speaking to Richard. He... has always been available and have been brilliant in helping me arrange my mortgage and exploring all the options available. He answered all my questions and made everything easy to understand. Communication was excellent with the rest of the team.I would definitely reccomend!read more

Jason Seegers

13:20 30 Jan 21

Having used Censeo since my first mortgage transaction, I've had the pleasure of dealing with the same consultant... throughout the years and he also remembered me which made it feel like a more personal service. The consultant was also quite knowledgeable in answering all my questions and providing options that he considered best but also from companies that I wanted to deal with. No robotic service provided and not trying to simply sell you a product so this is what you want from an advisory firm. Would recommend them when doing any mortgage or re-mortgage.read more

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