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
I am currently engaged in trying to buy a shared ownership apartment. Having first started the process on one apartment, I completed a financial assessment. I subsequently found a more suitable apartment and have been able to complete a second financial assessment. I was most impressed with the help and support I received from Angela Albert-Yarde. She made the whole experience as seamless as possible and I cant thank her enough.
Jay Anderson and Matthew Caterer completely ignored our email expressing concern with an issue that arose with our remortgage process – no acknowledgement or reply. When asked to prompt the lender for a mortgage offer to be sent nothing was done and a couple of weeks past, before I then had to do their job for them and contact the lender myself.Strong start, incredibly poor finish to the process. They should be better than this.
I have used Censeo for the mortgage application of my new flat under a shared ownership scheme. The service has been brilliant since the beginning and everything was concluded within few weeks. I would definitely recommend them!
Censeo we’re very informative and patient with me , as a first buyer- via shared ownership they were clear when explaining everything to me and they found me a good deal for my mortgage. I’ve paid them a fee to have them in 2 years help me look at the market again when my fixed rate 2 year deal is up so I don’t have to worry then either. Worth the money!
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.
