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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.

First New Build Help To Buy In Zone One Launches At Elephant Park

First New Build Help To Buy In Zone One Launches At Elephant Park

This April marks the launch of Help to Buy homes at the heart of Elephant & Castle – comprising 25 one-bedroom apartments at South Gardens in Elephant Park. The newly launched collection represents the only new build Help to Buy homes currently available in Zone One.
 
Sustainable developer Lendlease is transforming the urban district by creating an attractive new green neighbourhood, with homes, leisure, retail, and acres of new open space for central London. Offering a helping hand onto the Zone One property ladder, buyers will have the chance to purchase a new-build home from £550,000, with a 5% deposit.

Shared Ownership was ‘so easy’ for Tooting resident

Shared Ownership was ‘so easy’ for Tooting resident

Two years ago, Aveen Kelly, 32, was given the opportunity to learn more about how Shared Ownership works, a result of her employer Wandsworth Council’s efforts to encourage buyers in the community to consider the scheme.

Armed with her knowledge of Shared Ownership - which enables first-time buyers priced out of the open market to purchase a share of a property and pay rent on the remaining share - she discovered XVII, a new Shared Ownership development in Tooting, South London, comprising one and two-bedroom homes. 

 

Aveen wasted no time in contacting Thames Valley Housing, as the homes were close to where she was renting with friends.

Hatchwood Mill, Winnersh

Hatchwood Mill, Winnersh

Share value: 40% (£175,000)
Full price: £437,500

 

·         Setting new standards for affordable housing in terms of location, high quality design and a superior specification, a new collection of superb new homes in Winnersh, Berkshire is available to buy through Shared Ownership with Thames Valley Housing

·         The attractive two, three and four-bedroom houses are built in hues of traditional red brick, complemented by either a red or black tiled roof; some of the elevations to the larger homes’ are punctuated with pretty tile-hanging and bay windows.

Shared Ownership was the answer for Battersea first-time buyer

Shared Ownership was the answer for Battersea first-time buyer

In 2012, Adel Whitworth, 33, was left disappointed when her first attempts to make it onto the property ladder in Tooting Broadway fell through. However, she plucked up the courage to try again when she discovered Shared Ownership, a scheme which enables first-time buyers typically priced out of the open market to buy a share of a property and pay rent on the remaining share.

Intrigued and hopeful, Adel filled out an application for the Shared Ownership homes at Battersea Bridge Road, offered for sale by Thames Valley Housing.

 

12 pieces of advice for first time buyers

12 pieces of advice for first time buyers

Buying your first home can be a daunting task to undertake. From working out where to buy, through to actually moving in, there is a lot to consider and not a decision that should be rushed.
 
So to help here are our 12 key pieces of advice when buying your first home:
 
1.       Don’t be rushed into buying by a pushy estate agent. They will often arrange ‘open days’ where they will invite several prospective purchasers to view at the same time. This is designed to create emotional fear that someone else will make an offer before you do.
2.       Set your limit and don’t go above it. There will always be another property in another street or another town that will suit you.

Top 10 interior design trends for 2017

Top 10 interior design trends for 2017

Bring nature indoors for 2017
Textures and tones set to create calm, warm homes and hotel rooms
Graphic inspired art, statement rugs and textured glass lighting all key essentials
With 2017 set to see interior design services embraced increasingly by individuals and house builders alike, the experts at Alexander James Interior Design have used their 20 years experience to compile a list of the top ten interior design trends for 2017.

 

Stacey Sibley, Creative Director at Alexander James Interior Design, comments,

Why is it important to use MyEnergy before switching supplier in your new home?

Why is it important to use MyEnergy before switching supplier in your new home?

Put simply, because it can save you £100s of pounds on your energy bills-and make your dream holiday a reality as a result.

In recent times, energy bills have risen to an unprecedented level, having almost doubled in the past 20 years. With household finances squeezed like an old tube of toothpaste, there’s never been a more topical time to seek out alternatives, and switch to a smarter solution...

Best in show: Alexander James' 5 interior design tips to bring show house style to your home

Best in show: Alexander James' 5 interior design tips to bring show house style to your home

With spring sales in full swing in many shops, now is the perfect time to take a critical look at your new home and make a few changes to bring it up to show house standard.  

 
"Bringing glamour and style to your home doesn't have to be about making big changes. There are a few simple tips and tricks that can make a big difference. Try to step back and take a fresh look at your rooms. Which features and objects stand out? How do they coordinate with the other items in the room? What feeling does the room give you? Once you take a long, hard look at your home, you'll be able to identify which colours and objects dominate it - and to change them if necessary."

Stacey Sibley, Creative Director, Alexander James Interior Design
 

Property Priorities: New homeowners will kip on the floor for a month

Property Priorities: New homeowners will kip on the floor for a month, but candles and cushions are unpacked within a week

·         For 57% of homemovers, the kettle is the first item that is unpacked
·         Over half (57%) of new homeowners set up the Wi-Fi router within 24 hours
·         A third (32%) of homemovers will live without a wardrobe for a fortnight or more
 
One in twelve (8%) UK homeowners admit they slept on the floor for a month or more after moving into their new home, according to a new study by UK housebuilder 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 unpacking that all important first box.
 

Why Rent When You Can Buy?

Why Rent When You Can Buy?

If you’ve always dreamt of owning your own home, you could find that taking those first steps onto the property ladder are more affordable than you think, with a Help to Buy scheme.

New figures compiled by Strata Homes show that buying a home is often cheaper than renting, especially with the government’s Help to Buy scheme.*

Using data from Zoopla, we’ve compared the price of renting a two-bedroom home against buying a 2-bedroom new build home, both with and without a Help to Buy equity loan.  This is where you only need a 5% deposit for your new home, which the government will boost by a further 20%. You’ll only need a mortgage on 75% of the property price, making it an affordable alternative to renting.

Open day set to give Midlands buyers glimpse of popular development

Find out more about Grand Union Housing Group at their open day

House-hunters in the Midlands are taking up the opportunity to have a sneak peek at a popular new development. 

Grand Union Housing Group is holding an open day on Saturday 8th April at its Church Close development at Braybrooke, in Northamptonshire. 

Visitors can take a look around a brand new property at the popular site, near Market Harborough. 

The three-bedroom properties are available on the shared ownership scheme, so cost as little as £62,500 for a 25% share. 

Shared ownership is an affordable housing scheme where buyers purchase between 25% and 75% of a home, and pay a subsidised rent in the rest of the property. 

House-hunters warned not to miss out on new-look family homes

Harvills Grange opens new-look show homes tomorrow

House hunters across the West Midlands are set to catch their first glimpse at a range of stylish new homes.

Lovell Homes is launching its new show homes at its popular Harvills Grange development tomorrow (25 March).

The spotlight will be on the popular Ringwood design home, a three-bedroom semi-detached house available on Help to Buy from £145,560.

This design boasts spacious interiors that are perfect for growing families, or a couple looking for a bit of extra space. 

The ground-floor layout include a stylish living/dining room, with French doors opening out onto the garden. Meanwhile, the kitchen features an integrated fridge-freezer and slimline dishwasher, in addition to a Bosch stainless steel double oven and gas hob. 

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.