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. 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
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1-star

Replied to 50% of negative reviews

Typically replies within 1 month

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Rated 5 out of 5 stars

I found Censeo Financial to be…

I found Censeo Financial to be extremely thorough and very patient while I gathered all the required paperwork. I couldn’t have asked for a better team to handle my case. A special thank you to Dave B (his depth of experience really showed in the sensitive and thoughtful way he managed everything) and to Jay for consistently following up with me throughout the process.

January 26, 2026
Unprompted review
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Reply from Censeo Financial

Thanks for your lovely feedback. We really appreciate it. I'll make sure we let Dave and Jay know how happy you were with the service they gave you. Best of luck with your house purchase!

Rated 4 out of 5 stars

Matthew and Ruth at Censeo have been…

Matthew and Ruth at Censeo have been brilliant. They've helped me navigate tricky aspects of my staircasing and decipher jargon where I was having a hard time with the banks and housing association. They were able to find me a mortgage where banks directly weren't helpful. Thank you for all your help. We are almost there finally. There were some delays from unexpected staffing issues at a point, that I would have liked to have avoided, but Ruth went over and above to put things back up to the high standards I expected of Censeo, as per previous experience. I am a returning customer.

December 20, 2025
Unprompted review
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Reply from Censeo Financial

Thank you for taking the time to share your experience - and welcome back to Censeo.

We’re really pleased Matthew and Ruth were able to support you through the more complex aspects of your staircasing and help cut through the jargon along the way. It’s great to hear they were able to find a solution where others couldn’t.

We’re sorry for the delays you experienced at one stage and we appreciate your understanding. Ruth will be especially pleased to know her efforts to get things back on track met the standards you expected from us.

Thank you again for your continued trust, and we’re delighted you’re nearly at the finish line.

Rated 5 out of 5 stars

Mortgage Application Review

The team at Censeo have been great, always willing to help and make things so much more simpler for everyone involved. Jonathan H has been an absolute gent, he worked tirelessly to make things simple and easy for me to understand as this was my first application for a mortgage. It's been a long process due to constraints outside our control but thus never seemed to effect Jonathan's effort to help resolve the issue.
Ruth came on how to help with the Final transition and has been very prompt and efficient with communication, she has been very professional in all interactions. Very welcoming also.
I've felt with my time with Censeo, that I was more than just another customer and someone they generally wanted the best for.
Would highly recommend them to help out with your mortgage applications.

January 20, 2026
Unprompted review
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Reply from Censeo Financial

Thank you so much for taking the time to leave such a thoughtful review. We’re really pleased to hear that your experience with Censeo felt supportive and personal, especially as this was your first mortgage application.

Jonathan will be delighted to hear your kind words. He prides himself on making what can be a complex process clear and manageable, even when there are challenges outside anyone’s control. We’re also glad Ruth was able to support you through the final stages with the promptness, professionalism and warmth you described.

At Censeo, we genuinely believe our clients are more than just a case number, so it’s wonderful to know that came across. Thank you again for your recommendation, and we wish you every happiness in your new home.

Rated 5 out of 5 stars

Amazing Service

We recently completed the purchase of our first new home and couldn’t be happier with the service we received. From start to finish, the process was handled professionally and efficiently, which made what could have been a stressful experience feel smooth and reassuring.

A special thank you to David Pendry, our financial advisor, who took the time to explain everything clearly and guided us through each step with expert advice and patience. We would also like to thank Mercedes Ryan, our case manager, who was outstanding throughout — always approachable, responsive, and on top of every detail.😊☺️

We felt fully supported the entire way and would highly recommend this team to anyone purchasing a home, especially first-time buyers.

January 7, 2026
Unprompted review
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Reply from Censeo Financial

Thank you for your lovely review and congratulations on your first new home.

We’re really pleased to hear the process felt smooth and reassuring throughout. David will be delighted to know his clear guidance and patience helped at every stage, and Mercedes will appreciate your kind words about her responsiveness and attention to detail.

Thank you for the recommendation, and we wish you every happiness in your new home.

Rated 5 out of 5 stars

A great experience was provided

A great experience was provided by the team members Dwayne Simpson and Jay Anderson. They were super helpful with answering all my queries as a first time buyer, making the whole process run smoothly and accordingly. I would definitely recommend Censeo.

December 20, 2025
Unprompted review
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Reply from Censeo Financial

We're so pleased you had a great experience with Dwayne and Jay. Thanks for the recommendation - we really appreciate it. And good luck with your new home :)

Rated 5 out of 5 stars

Ruth Munoz and David Pendry

Ruth Munoz and David Pendry were incredible. Very clear and helpful along the way from start to finish, as a first time buyer this process was completely new to me. Both were incredibly supportive in answering any questions I had or explained anything I was unsure about. Nothing was to much trouble and clearly they work very hard and long hours to get people over the line. A real pleasure to have them help me get my first mortgage I would highly recommend them to anyone.

January 8, 2026
Unprompted review
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Reply from Censeo Financial

Wow! What a lovely review! We're so pleased that your experience with Censeo was a positive one and we'll certainly let Ruth and David know how happy you were with the service they provided you.

Rated 4 out of 5 stars

Really good service and very…

Really good service and very sufficient. I got a really good mortgage product and rate. All thanks to my mortgage broker, Suki Gill. Everything was very smooth.

January 8, 2026
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Reply from Censeo Financial

Hi there. Thanks for your review and good luck with your new home!

Rated 5 out of 5 stars

Great experience

Dave and Mercedes were very helpful, friendly and professional in assisting me to get my first mortgage.

January 9, 2026
Unprompted review
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Reply from Censeo Financial

Ah. Thanks for your review. Good luck in your new home!

Rated 5 out of 5 stars

Reena and Mercedes Thank you😁😁 😀😀😀…

Reena and Mercedes Thank you 😀😀😀…

Reena and Mercedes were
absolutely wonderful .
Super professional , good communication with us
We are indeed thankful for all Your work and commitment .
I strongly advise everyone to choose Censeo Finalcial !

January 12, 2026
Unprompted review
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Reply from Censeo Financial

What a lovely bit of feedback. We'll certainly let Reena and Mercedes know how happy you are with their service.

Rated 5 out of 5 stars

Helpful and patient advice!

Jack Stanton and Jodie Hooper are both fantastic representatives of Censeo demonstrating clear communication and explanations at each stage. Jack was very friendly, patient and really wanted to help get the best and most efficient outcomes for my case. This made the process less stressful and less overwhelming. Thank you very much!

January 10, 2026
Unprompted review
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Reply from Censeo Financial

Thanks for your valuable feedback and we are thrilled that you had a positive experience with our team.

Rated 5 out of 5 stars

Highly recommend Censeo Financial

Highly recommend Jack Stanton & Jodie Hooper. As a first-home buyer, I really appreciated how clear, patient, and responsive he was throughout the process. He made everything easy to understand and secured a great outcome. Excellent service from start to finish.
Thank you so much!

December 29, 2025
Unprompted review
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Reply from Censeo Financial

Thank you so much for your lovely feedback which is gratefully received!

Rated 5 out of 5 stars

The financial advisors and managers…

The financial advisors and managers Reena and Jodie made all efforts to help with my eligibility and secure my first mortgage. They are very responsive to queries and providing feedback to information even if they have previously given responses.

December 22, 2025
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Reply from Censeo Financial

We’re delighted to hear that Reena and Jodie supported you so thoroughly in securing your first mortgage. Thank you for taking the time to share your experience - and congratulations on your first home!

Rated 5 out of 5 stars

Thank you!

David Pendry and Jodie Hooper have been amazing. The entire process took a matter of weeks, they assisted me through the different steps and guided me with advice throughout. Could not recommend more

December 15, 2025
Unprompted review
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Reply from Censeo Financial

What a lovely piece of feedback. Thank you so much!

Rated 5 out of 5 stars

Superb support at every stage

Superb support at every stage. I am trying to purchase a share-to-(re)buy property and Censeo is the best part of it. They are approachable, supported me every step, listened to my frustration, gave me clear and easy-to-understand guidance and are super fast and effective on the phone and by email. Something nearly all other parties could benefit from. Special thanks to Abbie, Chris and Jodie... amazing team!!

December 4, 2025
Unprompted review
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Reply from Censeo Financial

Ah, thank you so much for your lovely feedback. This means a massive amount to us.

Rated 2 out of 5 stars

More sales pressure than impartial advice

I had a poor experience with Censeo Financial during the required financial assessment process.

I was questioned about my credit score in a way that suggested a lack of understanding of how credit scoring works, which didn’t inspire confidence.

They pushed me to buy a larger share of a Shared Ownership property than I was comfortable with, presenting it as “affordability”, even though it would have meant higher monthly payments and greater long-term cost. They also implied that the estate agents might reject my application if I didn’t buy the maximum share deemed affordable, which felt like unnecessary pressure rather than balanced advice.

There was also a strong attempt to upsell additional paid services, including fees to handle the mortgage and to join their service so they could contact me about remortgaging in the future.

Overall, the experience felt more focused on upselling and pushing maximum affordability rather than providing impartial, client-focused guidance.

Ended up using someone else instead once the financial assessment was successful.

October 31, 2025
Unprompted review
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Reply from Censeo Financial

We’re sorry to read that you felt this way about your experience.

Having reviewed our records, this assessment related to an outright purchase rather than a Shared Ownership application. As part of any financial assessment, we ask questions to understand a client’s full financial position and explain how lenders and housing providers assess affordability. This is always intended to inform and support, not to pressure.

Censeo does not charge for financial assessments, and any optional services are clearly explained. Many clients choose to proceed independently, and we fully respect that decision.

We wish you all the best with your purchase and thank you for taking the time to share your feedback.

Rated 5 out of 5 stars

Definitely recommended as a first time buyer

I would definitely recommend Censeo as a first time buyer. Both David and Ruth have been friendly and patient with me. They have always explained things very clearly and have kept me up to date throughout.

December 20, 2025
Unprompted review
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Reply from Censeo Financial

Thanks for your feedback! We're thrilled that you would recommend us!

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