Voted the UK's Best Mortgage Broker 2022 & 2023, Tembo searches the whole of the lender market to find the best available rates for your mortgage. Check today's rates and book a same-day call.

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British Bank awards 2023 Best Mortgage Broker winner

Compare 80% Mortgages

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LTV: 80.00%

The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.

These people found great deals through Tembo

Getting started with Tembo

Get your 80% mortgage underway in 3 simple steps

Discover your true affordability

We compare your eligibility for over 100 lenders and 15 specialist and guarantor mortgage schemes in seconds. Tell us your deposit size, and we'll generate a recommendation that reveals your true borrowing potential.

Compare live rates & repayments

Your recommendation will show live interest rates & indicative monthly repayments for 80% mortgages, as well as standard schemes. Plus video explainers, so you can confidently discuss your options with your guarantor.

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Book in a free, no-obligation call with one of our award-winning experts. They'll answer all your questions about 80% mortgages, and set you up with a dedicated advisor as soon as you're ready to progress.

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Frequently asked questions

In 2024, 2023 and 2022 we were voted the UK’s Best Mortgage Broker by our customers at the British Bank Awards. We specialise in helping buyers, movers and remortgages boost their affordability. Thousands have already used Tembo to discover how they could afford their dream home. Our smart decisioning tech and mortgage experts will find the best way to boost your budget from over 100 mortgage lenders, including high street banks and innovative first time buyer schemes. So you can get a solution in an instant, plus benefit from our expert advice and access some of the best rates available.

Typically, mortgage lenders will let you borrow between 4 to 4.5 times your total income for a mortgage. However, there are innovative buying schemes that will boost the amount you can borrow. These include 5.5x Income Mortgages, private equity loans and guarantor mortgage schemes. Tembo can help you discover the best way to increase your borrowing potential from a range of schemes in an instant. Simply create a free Tembo plan to get started.

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Tembo is a multi-award winning savings & mortgage platform, on a mission to help first-time buyers, movers & remortgagers overcome the affordability gap. We’ve already helped thousands to save a deposit sooner and make home happen.

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Cash Lifetime ISA
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Mortgages and Insurance

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

For insurance business we offer products from a choice of insurers.

Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652.

See full details of all claims and figures shown on this website at our Transparency page.

Savings

The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time.

Market-leading is defined as Tembo having the best Lifetime ISA interest rate excluding introductory offer periods. Rates are accurate as of June 2024, but are subject to change.

If you open a Tembo Stocks & Shares Lifetime ISA, it’s important that you know the value of your investment could go up as well as down. You could get back less than you put in, which means it would take you longer to buy your first home. Past performance is not necessarily a guide to the future and investing is not intended to be a short-term option. We can’t and don’t provide financial advice so please be sure that investment risk is right for you.

Tembo, Tembo Lifetime ISA, Tembo LISA and Nude are trading names of Nude Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 928010) and registered as an account information services provider (FRN: 913654). We are a private limited company registered at 18 Crucifix Lane, London, SE1 3JW, with registration number 12008146.

Nude is a registered trade mark of Nude Finance Limited (12008146) (TM Reg No UK00003263387).

Discover today's best 80% LTV interest rates

Compare 80% Mortgages

Compare 20,000+ mortgages from over 100 lenders

These people found great deals through Tembo

Getting started with Tembo

Discover your true affordability

Compare live rates & repayments

Speak to an expert in 5-minutes

Got questions? We've got answers

Frequently asked questions

How much can I borrow?