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Home > Face to face meeting with Censeo

Face to face meeting with Censeo

Thank you for your interest in arranging a face-to-face meeting with Censeo, London’s specialist new build and shared ownership mortgage advisor.

If you are looking for general information rather than a face-to-face meeting, please download our helpful Questions and Answers leaflet here which answers most queries relating to obtaining a mortgage for a shared ownership property.

If it is face-to-face advice you require, then please can you take a moment to answer the 7 questions below so we can confirm that we will be able to assist you.

  • Contact Details

  • Please Answer the Below Questions

  • 1. Can you prove your income? Yes   No  

    Both Censeo and the lender undertake robust checks to confirm the mortgage is affordable, suitable and sustainable in the long term. You will need to be able to verify your income to us in order to obtain a shared ownership mortgage.

  • 2. Do you have a deposit? Yes   No

    You will require a deposit of at least 5% of the share you eventually purchase, you will also need savings for the associated costs in purchasing a property such as lender and solicitor fees. We generally advise a further £3,000-£3,500 in savings for associated costs

  • 3. Do you have adverse Credit? Yes   No

    It is unlikely we will be able to secure you a mortgage if you have any CCJs (County Court Judgements), Defaults, Individual Voluntary Agreements (IVAs) or have previously been bankrupt within the last 6 years. Also any late payments on any loans, credit cards or mobile phone accounts in the last 12 months may also prevent you from obtaining a mortgage.

  • 4. Have you found a property? Yes   No

    We need to know the full market value, the rent percentage charged by the Housing Association and the monthly service charge to be able to provide you with accurate mortgage advice based on your individual circumstances.

    We can still arrange a meeting with you without a property in mind; however the advice may change significantly once a property is found.

  • 5. Are you a foreign national? Yes   No

    If you are in the UK on a visa without indefinite leave to remain you will require a 20% deposit of the share purchased to secure a shared ownership mortgage. If you have indefinite leave to remain in the UK the minimum deposit requirement is 5% of the share purchased.

  • 6. Are you self employed? Yes   No

    Typically you will need to be able show at least 2 years earnings figures to obtain a shared ownership mortgage.

  • 7. Is your deposit coming from savings or a gift from a close family member?
    Yes   No

    Lenders will not generally accept loans for the deposit or gifts from extended family.

  • Please feel free to provide us with any additional information about your situation.

  • 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

Financial Assessment Form

Censeo Limited is an appointed representative of First Complete Limited, No2 Methuen Park, Chippenham, Wiltshire, SN14 0GB, which is authorised and regulated by the Financial Conduct Authority. 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 between £295 and £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.

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