Censeo Financial Recensioni 312

Connie was most helpful from day one - I couldn't recommend her enough. Connie is polite, accommodating and goes above and beyond to find the best options available. Thank you Connie - You are a star⭐

Ruth then took over towards the end and was fantastic witb keeping me updated with the progress - both amazing and thorough.

Highly recommended this company for anyone needing help with acquiring a mortgage or moving home.

Chris Garland and Mercedes Ryan made the whole process smooth from start to finish! I have to say a huge thank you the both of them. Chris and Mercedes were always available via phone and email if I had any questions and were very efficient dealing with the lender. Super knowledgeable team and will be using them in the future.

I want to express my gratitude to Connie for all of your kind encouragement and support. As one of clients, you have consistently kept me informed about the status of my mortgage from the beginning until the successful conclusion. I am really appreciative of your service, and you behaved extremely professionally the entire time.

Connie at Censeo was very communicative and supportive throughout the whole process. I would highly recommend using Censeo as a mortgage broker.

Working with Connie Kavuma is genuinely refreshing. She has a warm, approachable way of guiding people through the often‑stressful world of mortgages and property decisions. From the very first conversation, she makes you feel heard, supported, and completely at ease.
What really stands out about Connie is her deep knowledge and professionalism. She’s professional, experienced, and incredibly clear in her explanations, whether you’re a first‑time buyer or someone with years of property experience. She stays responsive throughout the process, keeping you updated and making sure you understand every step, which brings a lot of peace of mind.
I would highly recommend Connie for her combination of expertise and genuine care, making her a fantastic choice for anyone seeking reliable, friendly, and knowledgeable mortgage guidance.

Recommended. Thanks Connie 10/10

I had a fantastic experience with Censeo Financial while arranging my mortgage for purchasing my flat. Jodie and Dwayne were absolutely brilliant throughout the entire process. They were very professional, responsive, and always happy to answer my questions.

They kept me informed at every stage and worked hard to secure the best mortgage deal for me. Their guidance and support made what could have been a stressful process feel smooth and straightforward.

I truly appreciate their dedication and help in making my home purchase possible. I would highly recommend Censeo Financial, especially Jodie and Dwayne, to anyone looking for expert and reliable mortgage advice.

Mercedes and Dwayne made the experience a nice and easy one. Clear communication and easy to contact. All concerns we had were rectified. We were made to feel comfortable and relaxed throughout the process, couldn’t recommend these guys enough.

Ruth and David were brilliant from start to finish. Super quick turnaround on my mortgage application and everything was handled efficiently.

They’re both really knowledgeable, answered all my questions clearly, and made sure I got the best product for me. The whole process felt straightforward and stress-free.

Would definitely recommend, great service all round.

The Company from the beginning of the process were amazing. Clear concise information and questions were answered immediately. For a first time buyer, Reena and Jodie were able to hold my hand through the process and were good at ensuring all my queries were remedied immediately.
Professional and high-quality customer service. Would absolutely do this with Censeo again.
Thanks ladies. Your hard work and support is appreciated.

Dwayne and Mercedes were so helpful throughout the whole process! Highly recommend this company. Very professional, friendly and efficient.

This was my first time buying a property. Christopher And Mercedes made the experience very smooth for me. They were very professional, friendly, and approachable. They clearly explained the process to me and answered all my questions. Thank you Christopher and Mercedes :)

Great - no issues! Matt and Jay have both been very responsive and helpful throughout. Would recommend!

Smooth and easy process. Jack, mortgage advisor was very helpful and explain all very well with very quick responses

Censeo was very helpful from the start till end of the process, especially huge thank you to Suki and Mercedes who were always there for our questions and made the experience so much easier.

I would like to thank the Censeo team for their professionalism and support throughout my mortgage process. From the initial affordability assessment through to exchange, they were responsive, proactive, and reassuring — particularly during the valuation review stage, where they worked quickly with the lender and developer to resolve a technical issue.
Communication was clear and timely, and I always felt that my case was being actively managed rather than left to drift. Their willingness to support alternative options if needed also gave me real confidence during a critical stage of the purchase.
I would not hesitate to recommend Censeo to anyone purchasing through Shared Ownership

Matthew is incredibly knowledgeable and thoughtfully considered all my concerns before recommending the best lender. He took the time to explain the details thoroughly.

I used Censeo twice in one year. The first time, with a different broker, they were great. Smooth process, clear communication, no issues. That is exactly why I trusted them again when my purchase fell through and I needed a new mortgage for a different shared ownership property.

The second time, with a different broker, was a complete breakdown in competence.

I was recommended a lender that was unsuitable from the outset because of how they treat housing association incentives. My deposit and incentives were declared from day one, so this should have been obvious before any application was submitted.

Instead, I only found out after fees were paid and the process was already underway.
Twice in the same year I was applied for a 95% LTV product when, once incentives were factored in, the true borrowing level was closer to 96% LTV. This is not obscure information. The way incentives are treated is clearly set out in intermediary guidance and easily accessible to brokers. It should have been identified before any application was submitted.

I paid £495 twice in broker fees, plus two valuation fees, and ended up with multiple hard searches on my credit file. All entirely avoidable if the advice had been correct.

What makes this worse is that the same lender had already been used earlier in the year by the firm. That application failed for a different reason, but it was still unsuitable based on my circumstances. Two brokers, same firm, same fundamental mistake.

Documents weren’t sent when they should have been, which delayed exchange and completion. I was also given an update that later turned out to be wrong, and after that my broker never spoke to me again. No apology for the unsuitable advice. No apology for the incorrect information. Just silence.

Protection advice was non-existent. Life insurance and income protection were never discussed until after exchange by a case manager. My existing cover was based on the previous purchase and no longer suitable. I had to sort that out myself. No checks, no follow-up, no ownership.

The housing association was involved throughout and even then the service was not delivered properly or efficiently.

Even after a formal complaint, the firm has refused to take responsibility. I now have an ongoing case with the Financial Ombudsman because Censeo maintain they have done nothing wrong. According to their internal complaints process, unsuitable applications and incorrect information are apparently acceptable standards.

From my perspective this fell well short of basic regulatory expectations, including MCOB 4.7A.2R, MCOB 2.5A.1R, FCA Principle 2, and FCA Principle 7.

They may be recommended for affordability assessments, but I would strongly encourage shared ownership buyers to look at free or independent brokers who actually take the time to get things right. Do not feel pressured to use them just because your housing association suggests it.