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Censeo Financial is an award-winning financial services company combining specialist, independent mortgage advice with an in-depth understanding of the affordable housing market.

Our team of qualified advisers provide advice on mortgages and related products in a professional and compliant manner.

Censeo prides itself on putting its customers first from the moment they make first contact.  We have a brand-new office based in the City of London, a recently opened office in the midlands and a range of interactive communication options such as Skype and FaceTime.  We want our services to be as accessible as possible for all our existing and prospective customers.

Home Improvements – Where should we begin?

Home Improvements – Where should we begin?

Thousands of people every year will make New Year resolutions to update their home and thousands of people will not keep to them, I know, I am one of them.  This is mainly because we set goals which are not realistic, we give ourselves too much to do and often don’t set ourselves a realistic budget.  However if we plan to update our home over the course of the year, we can tackle what seems like a huge task in smaller chunks.

To manage any sort of project, it can be helpful to break it down into three main requirements:

  • Decide what needs to be done
  • Prioritise what needs to be done
  • Set yourself a budget and time frame to which you would like the updates to be finished by

 

Home Buyers Myth-Busters

Home Buyers Myth-Busters

You don’t need to get a home inspection – FALSE

It’s all too easy to forget that you should have someone (a professional) check a home is safe, especially before you move in with all of your worldly possessions. Astoundingly, only 1 in 10 homebuyers surveyed by CORGI HomePlan considered it to be important to get a professional inspection that to avoid nasty surprises later on!

 

Your home inspection is covered in the mortgage lenders survey – FALSE

28% of people believed that a home safety inspection was covered by the mortgage lenders survey. Sadly, it’s not. Set aside a budget for an inspection because let’s be honest, you can’t put a price on your safety.

 

Two In Three Home Buyers Carry Out No Gas Safety Checks

Two In Three Home Buyers Carry Out No Gas Safety Checks

Buying a house is the biggest investment anyone makes in their lifetime - yet two in three people don’t know if they are purchasing a potential death trap.

 New research carried out by CORGI HomePlan has uncovered a shocking lack of safety checks being carried out by home buyers.

 And with 1.2million property transactions taking place in the UK each year *, this means 800,000 homes are at risk of a life-threatening gas incident, such as a carbon monoxide leak, or expensive repairs to boilers, fires, radiators and cookers.

 

First time buyer? Don’t forget your last will and testament….

If you’re a first time buyer, you can be forgiven for not thinking of writing your last will and testament, but it’s incredibly important to do so.

It’s a given that as a first time buyer, you’ll face a steep learning curve. You have to make sense of mortgages, conveyancing, valuations, surveys and much else besides and all this amidst a skyrocketing property market. 

Given all this you might overlook preparing your will as well, but you are well advised not to; this article explains why and how to go about it.

Why bother making a will?

Shared Ownership launched exclusively for over 55s at Zest, Bow Walk, E3

Shared Ownership launched exclusively for over 55s at Zest, Bow Walk, E3

With increasing demand for Shared Ownership properties in London, Red Loft has recently launched a development exclusively for the over 55s.

 

Zest by Gateway Living is part of the contemporary Bow Walk development just minutes away from Canary Wharf and Central London, in the heart of the thriving and eclectic community of Bow.  It features 12, two-bedroom high quality, high specification apartments just a few minutes’ walk from Bow Road and Bromley by Bow tube stations.

 

Wendy Hegarty, Partner at Red Loft, the sales agent at the development comments, “There is increasing demand in the market for the over 55s to have the added flexibility of being able to release the equity they have in their family home to enjoy their later years.

Best Of Both Worlds Is Back On Channel 4 & Property Expert Lucy Alexander Is Taking The Helm

Best Of Both Worlds Is Back On Channel 4 & Property Expert Lucy Alexander Is Taking The Helm

ARE YOU A HOUSEHUNTER LOOKING FOR THE PERFECT MIX OF BUZZ OF THE CITY AND THE BLISS OF THE COUNTRYSIDE?

 

Are you looking to move out of the urban jungle to the quiet of countryside? Or have you had your fill of the countryside and looking for a slice of city action?
What if you could find somewhere that gives you the perfect mix of city and country living?
We are searching for house-hunters to take part in a new daytime CHANNEL 4 Series.

 

Is Shared Ownership Right For You?

Is Shared Ownership Right For You?

By Amy Nettleton, assistant development director – sales & marketing, Aster Group

To help you decide whether shared ownership is for you, we’ve answered some of the most frequently asked questions

How does it work?

Through a housing provider like Aster, you buy a share of a property and pay rent on the part you don’t own. We offer a range of shared ownership properties across the south of England, most of which are brand new. Depending on the type of property and the location, you can start off by buying a share as low as 25% and deposits can be less than £2,000 for a £150,000 home.

Am I eligible?

3 Simple Steps To Sprucing Up Your New Garden

3 Simple Steps To Sprucing Up Your New Garden

With the weather finally starting to pick up, homeowners up and down the UK are turning an eye toward their garden and making plans for the summer. If you don’t consider yourself very green-fingered, that doesn’t mean you can’t enjoy a vibrant display of flowers from spring all the way through to early autumn in your own garden.

No matter how chequered your gardening history, the tips and techniques below will have your garden or yard looking its absolute best with the minimum of hassle.

 

 

Choose plants that suit your space

Cutting Out Your Morning Caffeine Fix Could Help You Save Towards A Deposit

Cutting Out Your Morning Caffeine Fix Could Help You Save Towards A Deposit

REAL TALK: How cutting out unnecessary "modern day luxuries" could help you get a foot onto the property ladder
 
·         Research calculates potential savings to be made by simply cutting out those unnecessary "modern day luxuries", such as your morning coffee or a trip to the cinema.
·         If you can abstain from all eight examples of these “luxuries” at once, you would save £5,433.30 in a year.
·         If you can keep this up, within six years you could have saved almost enough for a deposit on a house (£32,599.80), without needing any other savings at all.
·         Out of the eight examples, most money could be saved from cutting out your fortnightly night on the town with friends – saving over £1,400 each year.

Staircase Storage Solution Advice For New Homeowners

Staircase Storage Solution Advice For New Homeowners

Scott Storey, Managing Director of James Grace: “Storage is often an issue for many homeowners, particularly in areas where space is at a premium. Well planned storage ideas can be integrated as part of the overall design process in order to create a functional home.
 
Under-stairs conversions are a great storage solution, especially in more compact spaces. They enable homeowners to completely transform their living areas and utilise the space they have available. With options, such as shelving and drawers to coat and shoe racks, this often-wasted space can become an integral part of the home. The James Grace StairStore range provides options such as shelving and drawers to coat and shoe racks, meaning traditionally wasted space can become an integral part of the home.

How To Build A Gallery Wall In Your First Home

How To Build A Gallery Wall In Your First Home

Artfinder.com's Product Manager, Jen Bayne, talks us through how to build your perfect gallery wall.

 

1.The first step is to collect, collect, collect. Start making a collection of things you love - from original art, to handmade prints or photographs. As you are collecting think about the scale of your possible collection and the arrangement you want - do you want to keep them all the same size or work in a mixture of different sizes? Look for inspiration online, in your favourite cafes and restaurants or at home shows and exhibitions.

 

The Home Owners Guide To Home Maintenance: Interactive House

The Home Owners Guide To Home Maintenance: Interactive House

Home is where the heart is, and new or existing home owners alike are keen to make the most out of their property in the current housing market. But for the novice DIY-er the prospect of tinkering with the gutters or fixing a leaking roof can seem quite daunting.

 

Professional Building Supplies want to give home owners the confidence they need to get their house in order, especially during the winter months when home maintenance is so essential, so they have created ‘The Home Owners Guide To Home Maintenance: Interactive House’. 

 

A homeowner’s checklist: Seven things you should do at least once a year

A homeowner’s checklist: Seven things you should do at least once a year

Whether you’ve been a homeowner for a while, or have just stepped onto the property ladder as a first-time buyer, there are certain tasks that need to be carried out on an annual basis. They might not be ‘fun’ but they’re necessary in order to ensure your house stays in tip-top condition and looking its best - what’s more, regular maintenance will prevent you from having to fork out for emergency repairs later down the line.

 

Carry out a good old spring clean

The Ideal Home Show Gets A Makeover For 2017

The Ideal Home Show Gets A Makeover For 2017

Fresh ideas for your home, for 17 days, for 2017

__________________________________

When: 24th March – 9th April 2017

Where: Olympia, London

 

The Event: 

The Ideal Home Show, sponsored by Zoopla, is returning to London's Olympia with a fresh face, new interactive features and four brand-new live theatres. As ever, the show is set to provide the ultimate shopping experience with everything you need to update your home for the year ahead as we step out of the dark mornings and move into the Summer months.

 

What is Shared Ownership?

What is Shared Ownership?

Does it mean you have to share a house with someone?

“Shared Ownership is associated with a number of perceptions. For some people, the phrase might bring back mildly alarming memories of living with housemates and their accompanying clutter. For others, the idea of owning only part of a home is simply less preferable to owning all of it. Shared Ownership however, makes home ownership more accessible, not through the lending of more money like in other Help to Buy schemes, but by allowing the buyer to borrow less.”

 

Is Shared Ownership more affordable than other schemes?

Time for tea! The kettle is the first thing we unpack when we move house

Time for tea! The kettle is the first thing we unpack when we move house

One in twelve new homeowners sleep on the floor for a month or more after moving house, yet nearly two thirds (65%) take a fortnight or less to ‘dress’ rooms with candles and cushions.

Over half (57%) of new homeowners set up the Wi-Fi router within 24 hours, but a similar percentage (52%) wait a week or more to get the washing machine installed.

 

 

One in 20 Brits take more than a year to unpack after a house move, but most get the Wi-Fi up and running in 24 hours, according to a new study by UK house-builder Redrow.

The research, which polled almost 2,000 homeowners, looked into how we approach the challenge of setting up home and asked questions about priorities and that all important first box.

DIY In Your First Home? UK’s First Comparison Site for DIY Supplies Launches

DIY In Your First Home? UK’s First Comparison Site for DIY Supplies Launches

Go Banana has launched as the UK’s first comparison website for building and DIY supplies. With 50,000 searchable products – and more being added all the time – Go Banana provides an online platform for DIY enthusiasts looking to purchase supplies quickly and efficiently at the best possible price.

Go Banana’s unique software creates a live shopping list which searches online 24/7 and shows the best results, meaning users save between 20% and 35% with every purchase. Users can search, compare and buy across a whole range of building and DIY supplies, including building and hardware; tiling and flooring; plumbing and heating; painting and decorating; kitchens and bathrooms, and many more.

 

How To Grab A Property Bargain

How To Grab A Property Bargain

Comment provided by Vicky Iddon, Branch Manager, Home Truths Estate Agents, Lancashire, www.hometruthslancs.co.uk – 01257 451673

 

There is an air of uncertainty around 2017 property market forecasts. Some reports point to a sellers market and others indicate that buyers will be in a position of strength. There are, however, some top tips that will help first time buyers to bag a property bargain,regardless of the wider economic implications affecting the housing market.

 

Tips For Buying A New Mattress For Your First Home

Tips For Buying Your New Mattress In Your First Home

The savvy mattress shopper

Buying a mattress for the first time or replacing one, strikes fear into the hearts of many. Let’s battle that fear and find your ideal mattress for sleeping, reading and ‘exercising’ with these five savvy tips.

 

1 – THE MONEY

Decide upfront what your budget is. This is a budget for the next eight years! Forget pillows, sheets and bedframes. Set a budget for your mattress, then stick to it.

A £600 double mattress over 8 years costs 21p per night!

You can spend a few bob or thousands of pounds, anything is possible. Either way, start with the most expensive option you can afford and work your way down.

Help To Buy Property Tips from a Conveyancing Expert

Help To Buy Property Tips from a Conveyancing Expert

I know from experience that the process of moving into your new home can be a very anxious and exhausting time, both physically and mentally. There is the obvious excitement of finally moving in, but also the worry of being able to afford everything you need to furnish and decorate the home how you want it, and of course the considerable weight of taking on the burden of a mortgage.

 

These anxieties come after you have decided to take the plunge and enter the property market for the first time, which is a pretty seismic decision in itself. I have experienced many meetings talking to young couples and young professionals, who are worried about being able to afford mortgages and all the other fixed costs that come with a property purchase.

 

London Home Show

London Home Show

If you're a first time buyer looking for help to get on the property ladder, register for the London Home Show Spring 2017 on Saturday 18th March 2017.

 

The London Home Show, supported by the Mayor of London,  is the major event for first time buyers in London and attending the event is the best way to get all the latest information on the affordable home ownership market in the capital.

The London Home Show is FREE to attend. It takes place at the Queen Elizabeth II Centre, Westminster, from 11am - 5pm. This is a ticket only event, so please register if you wish to attend.

 

Click here to register