Increase my budget
Buy my first home
Buy with a guarantor
Help someone buy
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On your own
Boost your buying budget without a loved one’s help.
Boost your buying budget with the help of family or friends.
Build a house deposit using a loved one’s existing property.
Part Buy, Part Rent
Buy a share of a home and pay rent on the rest.
Buy a home with a repayment mortgage
Increased borrowing for first-time buyers
Increased borrowing for professionals
Co-buy with friends or siblings
Buy a new-build home with a 5% deposit
Armed Forces Help To Buy
Borrow up to £25,000 as an interest-free loan
Skipton Track Record Mortgage
Use your track record of paying rent to get a 100% mortgage
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If you find yourself with minor credit problems and are looking to get a mortgage, we may be able to help. Our award-winning team specialise in increasing buyers’ affordability to help you get on the ladder. To get started, create a Tembo plan today for free, or find out more about what options are available below.
No matter the size of house deposit you have, or the type of property you wish to buy, if you have a poor credit rating it’s often harder to get a mortgage. If you’ve missed small payments in the past such as a phone bill, we may be able to help you get a mortgage. To find out what you could afford, create a plan with us today for free.
If you've got an active IVA or DMP, have declared bankruptcy or had your home repossessed in the past, there will be limited mortgage options available to you. While we still may be able to help, we recommend you speak to a specialist adverse credit mortgage lender.
You can use CheckMyFile to see your credit report from the three main credit referencing agencies - Experian, Equifax and TransUnion - to check your score across all three and spot any issues which need addressing.
Head of Mortgages at Tembo
If you’ve had a county court judgement (CCJ) in the past for a nominal amount, we might still be able to help you get a mortgage. However, if your CCJ has been for a larger amount, we'd recommend you talk to a mortgage broker who specialises in adverse credit.
Boost how much you can borrow with help from family or friends. Whether you need a guarantor, or are looking to get a joint mortgage together, Tembo can help. Create a free plan today to see what you can afford, and get a personalised recommendation. Or, keep reading to see some of the ways you could increase your borrowing potential.
Also called a Joint Borrower Sole Proprietor mortgage, an Income Boost is where you add a friend or family member’s earnings to your application. With a larger combined income you can borrow more, so you can get on the ladder sooner or afford a larger property.
If you have bad credit, depending on the severity the lender may want you to put down a larger deposit. Through a Deposit Boost, you can unlock money from a loved one's home to top up your house fund, or be used as your entire deposit.
If a family member wants to help you and has cash savings, they could use a Savings as Security mortgage. They'll deposit 10% of the home's value for a set term. At the end, they'll get their savings back plus any accrued interest, as long as you keep up with the repayments.
Buying a home with loved ones can be a great way to increase how much you can afford, especially if your bad credit is limiting how much you can borrow. To see what you could afford together, create a free Tembo plan.
Add some or all of a family member’s earnings to your household income to increase your budget. They can build up an equity stake by contributing to the month repayments, but won’t own your home.
Get on the ladder sooner, with an equity loan from a loved one. In return for providing you a deposit, they benefit by owning a percentage of your property.
Buy a property with up to five others and track your individual contributions through a home agreement. Together, you can boost your buying budget and buy sooner.
If you don’t have family who can support you or you want to buy by yourself, there may still be ways you can get a mortgage with poor credit. To find out what mortgage schemes you could be eligible for, create a free plan to get a personalised recommendation including indicative monthly payments and interest rates.
Make the unaffordable, affordable with a private Shared Ownership mortgage. These part buy, part rent schemes let you buy a share of a home, then staircase up to full ownership.
If you work in a professional job, such as a doctor or solicitor, you may be eligible for a higher lending scheme. This allows you to borrow a higher multiple of your salary, up to 5.5 or 6.5 times your income.
If you are a serving military personnel, you could borrow up to 50% of your annual salary to boost your house buying budget with the Forces Help To Buy scheme.
With the Deposit Unlock scheme, you could purchase a new-build property from a participating home builder with just a 5% house deposit.