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Censeo Financial: Mortgage Assessment Automation

Censeo Financial is an award-winning UK mortgage broker specializing in shared ownership and affordable homeownership. The company works with housing associations, property developers, lenders, and public-sector organizations to help more people understand their affordability and secure sustainable mortgages.

BITs Software developed a custom digital platform that transformed Censeo’s manual financial-assessment process into a streamlined, connected, and scalable customer experience.

The Challenge

Assessing mortgage affordability required customers to provide detailed financial information that then had to be manually reviewed and processed by Censeo’s team.

The existing process presented several challenges:

  • Manual administration: Financial information required extensive data entry, review, and calculation.
  • Complex financial data: Affordability decisions relied on accurately processing income, expenses, commitments, and other financial information.
  • Disconnected systems: Customer data needed to move between internal teams, lenders, housing associations, and CRM systems.
  • Limited customer experience: Applicants needed a simpler and more intuitive way to submit information and understand their affordability.
  • Scalability: Censeo required a platform capable of supporting increasing application volumes and future integrations.

Solution

BITs Software designed and developed a custom Financial Assessment Portal that automates key parts of the mortgage-affordability journey.

Key capabilities include:

  • Automated affordability assessments: Financial information is processed through built-in calculations, reducing the need for manual assessment.
  • Digital applicant journey: Customers can securely enter their financial details through a clear, guided online experience.
  • Tailored mortgage options: Assessment results can be connected with lender criteria to help identify relevant mortgage opportunities.
  • Centralized data management: Applicant information is captured consistently and made available to the appropriate teams and systems.
  • Administrative workflows: Internal users can review applications, manage customer information, and track assessment progress.
  • Scalable architecture: The Laravel-based platform provides a reliable foundation for continued development and future integrations.

    Key Integrations

    • HubSpot: Synchronizes customer information with Censeo’s CRM to support follow-ups, communication, and lead management.
    • Primis: Connects the portal with Censeo’s mortgage-network workflows and reduces duplicate data entry.
    • Mortgage Broker Tools: Provides real-time affordability calculations across participating lenders.
    • Housing Association API: Allows housing-association partners to securely submit applicant information through their own websites and systems.

    The Results

    The Financial Assessment Portal has made the mortgage-assessment journey faster, more consistent, and easier to manage.

    The solution has:

    • Reduced manual administration and repetitive data entry.
    • Improved the accuracy and consistency of financial assessments.
    • Enabled applicants to receive affordability guidance more quickly.
    • Created a more intuitive experience for customers and partner organizations.
    • Connected important customer, lender, CRM, and housing-association workflows.
    • Established a scalable foundation for new integrations and continued platform development.

    Originally launched in 2015, the platform has continued to evolve through ongoing enhancements, integrations, and support from BITs Software.