WIth a larger deposit you could benefit from favourable rates. With 85% mortgages you can get on the property ladder, or buy your next place putting down 15% of the property price as a deposit. Get advice from the UK's Best Mortgage Broker 2022 & 2023.

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British Bank awards 2023 Best Mortgage Broker winner

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LTV: 85.00%

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

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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 85% 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 85% 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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Important to know

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. Tax treatment depends on individual circumstances and may be subject to change in the future. The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time.

Mortgages and Insurance

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. You may have to pay an early repayment charge to your existing lender if you remortgage. Tembo typically charges a fee for its mortgage advice, payable on mortgage offer, which ranges from £299-£749.

Savings

If you open a Tembo Stocks & Shares Lifetime ISA, the value of your investment could go up as well as down. Past performance is not a reliable indicator of future results, and your capital is at risk, meaning you could get back less than you put in. We do not provide investment advice, so please be sure that investing is right for you by making your own decisions or seeking advice.

Tembo, Tembo Savings, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA and Nude are trading names of Tembo Savings 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.

Discover today's best 85% LTV interest rates

Compare 85% Mortgages

Compare 20,000+ mortgages from over 100 lenders

Tried, tested, trusted.

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?