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.
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.
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.
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.
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.
With an Income Boost, you could buy that property worth £180,000
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
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.
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.
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.
With a Deposit Boost, you could buy that property worth £180,000
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
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.
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.
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.
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
Why choose Tembo?
What's so special about Tembo? We'll tell you in five reasons.
How do I get started?
How to get a mortgage with Tembo in 6 simple steps
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
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.
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
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.
for Standard First Time Buyer Mortgages
for an Income Boost Mortgage
for a Deposit Boost Mortgage
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