Censeo Financial Reviews 298

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Evaluating 174 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness and positive attitude, making interactions pleasant and productive. The service provided is frequently described as excellent, with many people appreciating the personalized and understanding approach. Reviewers are particularly impressed with the quick response times and the smooth user experience, often highlighting how the company simplifies complex processes and provides clear guidance. However, some customers mentioned dissatisfaction with aspects of the financial assessment process, feeling pressured to buy the maximum affordable share and noting attempts to upsell additional paid services. There were also isolated reports of delays due to documents not being sent promptly and a lack of discussion regarding life insurance and income protection until late in the process.

What people talk about most

Staff

Reviewers highlight positive aspects of staff. Customers consistently praise the team's professionalism,... See more

Service

Users describe positive interactions with service, highlighting the helpfulness and efficiency of the staff.... See more

Customer service

Consumers consistently report positive experiences with customer service. Many reviewers highlight the... See more

Response time

People report positive experiences with response times. Customers consistently praise the quick and efficient... See more

User experience

Customers had positive experiences with the user experience. Many reviewers found the process smooth,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I just want to say a massive thank you to David Pendry, Ruth Escobar Munoz and also Mercedes Ryan throughout our mortgage application process. There has been some highs and lows of the whole process b... See more

Company replied

Rated 5 out of 5 stars

I can't commend Censeo highly enough. Both members of the team that I dealt with, Dave Brockhouse and Ruth Escobar Munoz, were extremely professional and helpful. As a first time buyer, they helped me... See more

Company replied

Rated 5 out of 5 stars

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 qu... See more

Company replied

Rated 5 out of 5 stars

Censeo have helped me along the whole process they have been more than patient and not pressured me into anything, the whole journey with censeo has been stress free, Connie has helped me in finding m... See more

Company replied


Company details

  1. #74 of 83 best companies in Mortgage broker

Written by the company

Censeo makes people’s property-owning aspirations a reality by offering affordable loans for affordable homes.


Contact info

4.8

Excellent

TrustScore 5 out of 5

298 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 50% of negative reviews

Typically replies within 1 month

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Rated 5 out of 5 stars

I’m so pleased working with them

I’m so pleased working with them. They are effective compare to my other broker.
They respond to my concerns and email swiftly.

26 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for your positive feedback. We are delighted to find you found our service more effective than your previous mortgage broker and that we responded to your concerns and emails quickly.
We look forward to helping you again in the future and wish you much happiness in your new home.

Rated 1 out of 5 stars

Avoid shared ownership. Isn’t affordable housing scheme. This company signs you upto it. Don’t.

I have reached out to them on more than one occasion.
We (28) residents of the courtyard circus street Brighton all passed Censeo financial test to get shared home affordable housing. Since they have done job to get us in no one wants to reply or assist us anymore.
Why wasn’t we told the charges could go up 250%.
It’s big mess now and after being threatened with seek notice of possession and having to pay £750 week to clarion I’m being upset is understatement.
£121 service charge month to sign up and now £400 month. Awful.
Avoid using these and savills and clarion. There’s reason they are billionaire companies.

25 September 2025
Unprompted review
Rated 5 out of 5 stars

Ayesha and Ruth were incredibly helpful…

Ayesha and Ruth were incredibly helpful and knowledgeable which was excellent for someone like me who had no previous experience in mortgage applications/processes. I would have no hesitation recommending them!

19 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you so much for your positive review.
We are delighted you found Ayesha and Ruth were incredibly helpful and knowledgeable and that you would have no hesitation recommending Censeo.
We wish you much happiness in your new home and we will be here to assist with your future mortgage needs.

Rated 5 out of 5 stars

Thank you Melissa!

I can’t thank Melissa at Censeo enough for her outstanding support throughout our mortgage journey. From the very first conversation, she was knowledgeable, approachable, and genuinely committed to finding the best solution for mine and my partners needs.

Melissa made what could have been a stressful and overwhelming process feel smooth and manageable. She explained everything clearly, answered all my questions patiently, and always kept me updated every step of the way.

Thanks to her hard work and guidance, I felt confident and supported from start to finish. I highly recommend Melissa to anyone looking for expert mortgage advice with a personal touch.

Thank you again, Melissa!

19 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you so much for taking the time to write your positive review of the Censeo service you have received from Melissa.

We are delighted to read of the outstanding support you received. We aim to ensure our staff are well trained and are knowledgeable, approachable and committed to a supportive and genuine willingness to help all our buyers. It's great to read you found this in your experience.

We wish you much happiness in your new home and should you need assistance with your mortgage in the future we will be here to assist.

Rated 5 out of 5 stars

Highly recommend working with Censeo

Highly recommend working with Censeo. Made complicated and potentially overwhelming process as simple as possible. Ayesha and Ruth were supportive, friendly and quick to respond. Made it feel like a joint win!

17 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for taking the time to write your positive review. We are delighted you found Ayesha and Ruth were supportive, friendly and quick to respond.
Wishing you much happiness in your new home. We will be here when you nee future mortgage assistance.

Rated 5 out of 5 stars

Would highly recommend Censeo Financial…

Would highly recommend Censeo Financial to anyone buying a home!
I had the delight of dealing with Abbie from the assessments team. She was very professional, helpful, kind and understanding and made what felt like a daunting process smooth and easier. Things were actioned swiftly and am very grateful for everything Abbie did. She is a credit to Censeo! 5* experience.

12 September 2025
Unprompted review
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Reply from Censeo Financial

To know you would highly recommend Censeo Financial to anyone buying a home is amazing - thank you. We really appreciate you taking the time to write your positive review. Thank you.
We are delighted you found Abbie in our assessments team to be a delight to deal with.
If you need future mortgage assistance we would be delighted to help.

Rated 5 out of 5 stars

Dave and Mercedes were absolutely…

Dave and Mercedes were absolutely wonderful .
Super professional , good communication with Us always making Us aware of due process wich speed up the entire process and therefor making the entire mortgage journey not only pleasant but effective .
We are indeed thankful for all Your work and commitment .
I strongly advise everyone to choose Censeo Finalcial !
Top !

12 September 2025
Unprompted review
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Reply from Censeo Financial

Thank you so much for taking the time to write your positive review. We are delighted to read you found Dave and Mercedes were absolutely wonderful.
To know you would recommend Censeo Financial to others - thank you it means a lot.
Wishing you much happiness in your new home. We will be here to help with any future mortgage requirements you may need.

Rated 4 out of 5 stars

Overall experience

Despite of a long process with delays, we managed to get our Mortgage offer with the help of Chris and Ruth. Many thanks to you both.

3 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for taking the time to write your positive review.
We are delighted Chris and Ruth's determination help secured you your mortgage.
We wish you much happiness in your new home and if you need future assistance with your mortgage we will be here to help further.

Rated 5 out of 5 stars

Censeo were really helpful!

Censeo were great at helping us buy our first home. Ruth was brilliant and was happy to answer a million and one questions throughout which made the process much more straightforward and simple. Would definitely recommend!

2 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for taking the time to write your positive review about your Censeo experience.
We are delighted you found Ruth brilliant making the process straightforward and simple.
We really appreciate your recommendation.
Wishing you much happiness in your new home and we will be here when you need assistance with your mortgage in the future.

Rated 5 out of 5 stars

Great experience using Censeo

Had a great experience using Censeo for our recent property purchase. Both Chris and Mercedes were super helpful and patient given some bumps in the road along the way. They made the ‘first time’ process stress free and were they to advise, answer any questions we had. Will highly recommended to family, friends etc. Thankyou!

1 September 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you very much for taking the time to write your positive review. We are delighted to read that you had a great experience using Censeo.
It's great to read that you found Chris and Mercedes super helpful and stress free.
We wish you much happiness in your new home. We will be here to assist with any future mortgage requirements.

Rated 5 out of 5 stars

I highly recommend Censeo

I highly recommend Censeo if you looking to secure a mortgage for your property. Suki and Ruth were very supportive and instrumental in us securing a mortgage . They were patient with us and explained to us the stages involved in the process of securing a mortgage.
Thank you Suki and Ruth

27 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you very much for taking the time to write your positive review about your Censeo experience.

We are delighted you found Suki and Ruth were very supportive and patient.

Wishing you much happiness in your new and we will be here to help you with all your future mortgage needs.

Rated 5 out of 5 stars

Excellent Service

Excellent service from start to finish from Dwayne and Mercedes,
From the initial financial assessment to full mortgage application everything was a very smooth process Even with our not so perfect credit history.
Would definitely recommend censeo as a broker for shared ownership

20 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for taking the time to write your positive review of the Censeo service you received.

We are delighted to read that Dwayne and Mercedes provided excellent service from start to finish.

It means a lot that you would recommend Censeo as a shared ownership broker - thank you.

We are pleased you have your mortgage and we wish you much happiness in your new home and we will be here to assist you with your mortgage in the future.

Rated 5 out of 5 stars

Thank you very much for very good…

Thank you very much for very good service !!! Dwayne our broker and Jay our Case Manager from Censeo helped us to step to the property ladder with our Shared ownership apartment! We are very happy and highly recommend them for fast service ! Very reliable and responsible company! Thank you All from Censeo and Hyde !
Alina and Donatas

20 August 2025
Unprompted review
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Reply from Censeo Financial

Thank you very much for taking the time to write your positive review of your Censeo experience.
We are delighted you found the service from Dwayne and Jay reliable and that you would highly recommend us.
We wish you much happiness in your new home and we look forward to assisting you with your mortgage requirements in the future.

Rated 5 out of 5 stars

I had an excellent exHighly Recommend – Excellent Support Throughoutperience working…

I had an excellent experience working with Dwayne Simpson and Mercedes Ryan. From start to finish, they were incredibly helpful, patient, and understanding. Everything was explained clearly and simply, which made the whole process feel much less overwhelming. They were always quick to respond to any questions I had and went above and beyond to help me find the best option for my situation. Thanks to their guidance, the entire process was seamless and far less stressful than I expected. Their support made a real difference at every stage. I wouldn’t hesitate to recommend them!

15 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you for taking the time to write this positive review of your Censeo experience.
It’s great to read you found Dwayne and Mercedes were helpful, patient and understanding throughout. We are delighted they made thecfinancing part of your purchase seamless and less stressful than you expected.

We really appreciate that you would recommend Censeo to others - it means a lot - thank you!

Wishing you much happiness in your new hope and we are here when your current mortgage deal expires to help you find the best deal for your personal needs and situation at tge time

Rated 5 out of 5 stars

A winning team living up to the Censeo Service Commitment

Censeo Financial was the allocated mortgage broker for the development where I first sought to purchase a home through shared ownership. The housing provider ultimately made the decision to rent their properties instead of selling them, but through that process I was allocated to Ayesha K who was everything a first-time buyer could ask for in a mortgage broker!

Ayesha is incredibly knowledgable about each lenders’ criteria and provided insights that supported me, without judgement, to improve my credit score in order to ensure that we were desirable applicants able to obtain the best possible mortgage rates. She was kind and patient with us, and made sure that we fully understood every step of the process as well as what to expect from her and a lender throughout the buying process. She was really accessible too; she responded to every email and every phone call in a timely manner leaving us feeling valued, respected and cared for.

Because of Ayesha’s careful balance of warmth and professionalism, when we identified another development, we opted not to use the allocated mortgage company in order to ensure that we received the consistent, responsive service we’d become accustomed to from Ayesha. I am delighted to share that Ayesha did not disappoint and, as a result, we have just received our Mortgage Offer! Thank you Ayesha for being a mortgage broker I can literally rave about!

And thank you to Molly J who assisted us to prepare for our initial assessment with Ayesha and to Ruth E-M who has watched over us and provided us with support and guidance since our mortgage application was submitted and who continues to support us as we approach the last leg of this process. This is a winning team that has truly lived up to the Censeo Service Commitment. If you’re looking for kind, responsive service from a very knowledgeable mortgage broker, request Ayesha from Censeo!

14 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you so much for your kind words and thoughtful review. We are absolutely delighted to hear that your experience as first-time buyers was such a positive one. Ayesha, Ruth and Molly J will be over the moon to know their care and support made such an impact for you.

We take great pride in being responsive, informative, caring and supportive throughout every step of the journey, and it is wonderful to know that came through in your experience. Your recommendation means a lot to us, and we're so glad we could help make this important milestone a little easier.

Wishing you all the best in your new home and when your current mortgage rate ends we would be delighted to find you the best rate at the time for you.

Rated 5 out of 5 stars

Great and stress free experience

Great and stress free experience
Johnathan Holmes was my broker and from start to finish I felt in safe hands as a first time buyer its a nervous experience and Johnathan explained things to easily for me to understand I was kept up to date. Ruth Escobar was also very helpful and kept me in the loop regularly it was nice not having to chase them. Would recommend Censco and will always use them in the future when it comes to renewing my Morgage .

12 August 2025
Unprompted review
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Reply from Censeo Financial

It’s wonderful to read that you felt in safe hands from start to finish with Johnathan and Ruth. Thank you for taking the time to write about your positive experience of securing the mortgage for your home with Censeo. It is a pleasure to assist you.

Thank you for your Censeo recommendation.

We will be happy to assist you find the best deal for your personal needs and situation when your current mortgage deal ends.

Thanks again and wishing you much happiness in your new home!

Rated 5 out of 5 stars

Excellent, helpful and professional service

They were amazing from the very beginning helping us to check our options, very patient, professional and friendly with us. They are willing to try their best to help. Walking with us on every step of the way to get us a lender. Special thanks to David Pentry and Mercedes Ryan for their help.

12 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you so much for your kind words. We’re very grateful you took the time to share your experience of Censeo.

It means a lot to hear that our service was very patient, professional and friendly - especially David and Mercedes.

We wish you much happiness in your new home. We will be happy to assist you with your future mortgage requirements

Rated 5 out of 5 stars

Fantastic service!

I have been using Censeo for the last 6 years and they have never let me down. Always remain in touch to help me renew my mortgage rates and offer the best advice tailored to my needs. Special shoutout for Matthew Caterer for assisting me in the latest renewal, who was very professional and polite throughout our meeting.

11 August 2025
Unprompted review
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Reply from Censeo Financial

Thank you for taking the time to write this fantastic review. We really appreciate it.

Its lovely to read our repeat customer service is proactive, professional and polite. We aim to keep in touch to ensure you have the best mortgage rate at renewal.

As a long standing customer with a long term financial relationship we thank you

Rated 5 out of 5 stars

Fantastic Service

They were fantastic from the very beginning helping us to check our options, very calm, gentle and friendly with us. Walking with us on every step of the way to get us a lender. Special thanks to Christopher Garland and Georgina Byfield for their help.

11 July 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

Thank you very much for your kind words about the Censeo service.
We are delighted to read you found Christopher and Georgina walked you calmly and gently through the mortgage/buying process in a friendly manner.
We will be here to assist you when your mortgage rate needs renewal. Enjoy your new home!

Rated 5 out of 5 stars

Smooth Process.

It was wonderful working with Censeo Financial. They guide us through the mortgage process effortlessly and managed to secure us one of the best rates on the market. Thanks again Censeo, especially to Mr. Garland and Mercedes.

5 August 2025
Unprompted review
Censeo Financial logo

Reply from Censeo Financial

We are delighted you found it wonderful working with Censeo and we thank you for taking the time to put your positive experience into writing.

We are pleased Chris and Mercedes guided you through the mortgage process effortlessly and you secured the best rate available.

Wishing you happiness in your new home. We will be here to help when your current mortgage rate ends to source the best rate at that the time

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