Logo
Calculator
LoginGet a mortgage

Buy your home with help from your family

We’re the UK’s leading family mortgage broker. With the support of your loved ones, we help you to increase your deposit, or boost your income so you can buy a home sooner. 

Get a MortgageMortgage Calculator
british-bank-awards-best-mortgage-broker
hero-image
media-logomedia-logomedia-logomedia-logo

See how much you can borrow using Tembo

£
£

We're the UK's leading family mortgage broker

On a mission to help more buyers into their dream home.

feature

Buying a home is harder than ever

Tembo is championing a new and fairer way - helping a new generation of buyers get a foot on the ladder or buy their next home with the support of their loved ones.

feature

Increase the amount you can borrow

No deposit? Failing affordability? Up your maximum borrowing with your family's help with an Income or Deposit Boost mortgage, or through an equity loan.

feature

Get a mortgage for your dream home

Create a Tembo plan to discover how much you can borrow & get a mortgage in principle. Our expert team advise on 90+ lenders to get you a great deal.

Income Boost

An Income Boost Mortgage is a way of allocating some or all of a family member or friend's income to a mortgage to boost the buyer's borrowing potential.

Check your eligibilityLearn more
INCOME BOOST
Matches your preferences

With an Income Boost, you could buy that property worth £180,000

BulbIcon

An Income Boost allows you to add your booster’s income of £40,000 to your own to increase your borrowing.

Loan amount

£160,000

Product fee

£1,800

Interest rate

3.1%

Monthly payment

£614

Get some advice from a Tembo expert

Trustpilot
BulbIcon

What is it?

Otherwise known as a Joint Borrower Sole Proprietor (JBSP) mortgage, an Income Boost allows you to add some or all of a family member or friend's income to your mortgage.

BulbIcon

Why use an Income Boost?

Lenders typically let you borrow between 4-5x your income, which is often not enough to buy the home you want. Our average Boost users have increased their buying budget by £64,000.

BulbIcon

What’s the impact on a Booster?

They are jointly responsible for the mortgage & liable to support mortgage payments if you were unable to pay. However they aren't listed on the deeds, so there's no stamp duty liability.

DEPOSIT BOOST

With a Deposit Boost, you could buy that property worth £180,000

BulbIcon

A Deposit Boost is two seperate mortgages. 1 mortgage for you, and 1 remortgage for a family members property.

BUYER’S MORTGAGE

Loan amount

£138,500

Product fee

£1,559

Interest rate

1.2%

Monthly payment

£413

BOOSTER’S REMORTGAGE

Loan amount

£41,500

Product fee

£0

Interest rate

2.59%

Monthly payment

£51

Get some advice from a Tembo expert

Trustpilot

Deposit Boost

A Deposit Boost is a safe & ethical way to release money from a friend or family members property to top up an existing house deposit or create one from scratch.

Check your eligibilityLearn more
BulbIcon

What is it?

A Deposit Boost is a remortgage taken out by a family member or friend on their property to release money. The proceeds are then gifted to the buyer to put towards their deposit.

BulbIcon

Why use a Deposit Boost?

By increasing your deposit, you could buy your home sooner, fill an affordability gap and access lower interest rates. On average, it saved our users £14,000 in interest over a 5-year term.

BulbIcon

What’s the impact on a Booster?

As the Deposit Boost is in the Booster's name, they are responsible for the mortgage payments, although these are typically much lower than a purchase mortgage as they are borrowing less.

Check out today's best rates

We selected the best possible rates from a panel of over 90 lenders.

See our rates
Barclays-bw
GenerationHome-bw
Halifax-bw
MetroBank-bw
Nationwide-bw
Natwest-bw

Why choose Tembo?

What's so special about Tembo? We'll tell you in five reasons.

Get started

How do I get started?

How to get a mortgage with Tembo in 6 simple steps

pattern

With an Income Boost, you could borrow up to £173,000 That means with Tembo, you could aim for a home worth £183,000.

Take a look under the hood

With an Deposit Boost, you could borrow up to £323,000 That means with Tembo, you could aim for a home worth £333,000.

Take a look under the hood

hand
avataravataravatar

Chat to an expert

Complete our short form to get an estimate of how much you could borrow. If we can help, you'll be able to book a free, no obligation call with one of our CeMAP qualified advisors.

Get started to arrange a call

Join over 20,000 happy home buyers

Thousands of first-time buyers and movers have used Tembo to discover how they could buy their dream home.

View Testimonials

“Highly recommend Tembo! As a first-time buyer they made our experience very easy and worked super fast around the clock to answer and help us through the mortgage process! Would be lost without them...”

user-avatar

Bibinaz

First-time buyer

Our fees

To offer you the best possible service no matter how complex your situation, Tembo usually charges a fee for mortgage advice. This isn’t payable until you receive a mortgage offer - you’ll never be charged for advice alone.

£299

for Standard First Time Buyer Mortgages

£499

for an Income Boost Mortgage

£749

for a Deposit Boost Mortgage

hero-image

Want to learn more about Tembo's products?

Download our Booster guide to get into the nitty gritty of how your family member could help you buy your dream home.

Download the guide

Got unanswered questions about Tembo?

See all our FAQ’s