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Increase your buying budget with help from your loved ones

If you're looking to buy your first home through Barratt, but you're struggling to afford the home you want, try Tembo. We are an award-winning mortgage broker, advising on a range of family Boost mortgages.

Discover your new buying budget
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A path to homeownership may be closer to home than you think

Help to Buy has ended, and the affordability gap isn't going anywhere. Luckily, there are a range of products to help you buy the Barratt home of your dreams. With your loved one's support, you can buy sooner, or increase your buying budget. The best part? No lump sums of cash are needed; your Booster can support you with their income, pension or property.

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Boost your income

An Income Boost, also known as joint borrower sole proprietor mortgage, is an innovative way of adding some or all of a family member or friend's income to your mortgage. This increases your affordability - that's the amount a lender will let you borrow.

Learn moreProduct guide

Key benefits

  • You can buy the home you love

    By combining up to four income sources, an Income Boost can significantly increase your borrowing potential. That might mean a spare bedroom, outdoor space, or even enable you to get your first set of keys.

  • It's a temporary form of family support

    An Income Boost is a temporary support as you're getting onto the property ladder. When your circumstances change - let's say because you get a payrise - the Booster can come off the mortgage.

  • Your loved ones won't be out of pocket

    Providing you don't need help making repayments, there's no need for your Booster to dip into cash savings to help you. They also won't be on the deeds of the property, so won't restrict any stamp duty relief.

Increase your deposit

With a Deposit Boost, your family member can use the equity they've built up over the years in their own home to help you buy yours. Using a remortgage or specialist mortgage, we'll unlock money from their home to be gifted to you as a deposit.

Learn moreProduct guide

Key benefits

  • You'll increase your buying budget

    As your house deposit increases, so does your overall buying budget. So whether you're limited by your deposit, or your affordability is a little tight, a Deposit Boost can help to bolster your buying power.

  • Reap the benefits of buying sooner

    Struggling to save a 5% deposit? A Deposit Boost could speed up the process, getting you on the property ladder sooner. So you can start building your own wealth - paying your own mortgage, not your landlord's!

  • Keep your booster's support separate

    Your Booster's remortgage is entirely separate from your own purchase mortgage. This means your credit profiles remain separate, and neither party is responsible for the other's repayments.

Five reasons to choose Tembo

Watch this short video to discover why our award-winning team are the broker of choice for families across the UK.

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Need a sixth reason?

We've reduced our advice fee by 50% exclusively for Barratt buyers. You'll get the same Tembo experience (we'll do everything in our power to find a way to make home happen for you) but at half the cost.

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The process of buying with Tembo

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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

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Mind the generational wealth gap

Read our latest white paper to learn more about how the generational wealth gap is impacting buyers today, and how we can address this through family support.

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