Why Tembo is rated the Best Mortgage Broker in the UK

Most people start searching for a mortgage broker after one of two moments: they want help ensuring they're getting the best deal for them, or after their mortgage application is rejected by a bank. Whatever your reason, you're in the right place.

Tembo is a whole-of-market mortgage broker, searching across 100+ lenders and 20,000+ mortgage deals to find your best options, not just what a single bank is willing to offer. We also advise on specialist schemes & budget-boosting options, increasing our customers' budgets by £82,000 on average.

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As seen in

What actually makes a mortgage broker worth using?

Not all mortgage brokers are the same. Here's what separates a good one from one that's just convenient.

Whole-of-market access

A broker tied to a few lenders can only show you deals from that limited list. A whole-of-market broker - like Tembo - searches the whole market across thousands of deals, not just the best available from a shortlist.

Discover my options

Proven track record

As well as being rated Excellent on Trustpilot by +6,600 customers, Tembo has also been voted Best Mortgage Broker five years running at the British Bank Awards - based entirely on customer votes.

Specialist knowledge

If your income is complex, you're self-employed, or you need help boosting your affordability, a broker with specialist expertise could help you access schemes & lenders that a basic calculator would never surface. Thanks to our in-house expertise, we boost customers' budgets by an average of £82,000.

See my budget

Seamless service

A good broker should save you time, not add to it. That means digital tools that do the legwork upfront and your own dedicated team who handle your case without you having to chase. On average, we can submit a mortgage offer in as little as 10 days!

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How Tembo stacks up

Feature	Tembo	L&C	Habito
Lender access	100+ lenders	95+ lenders	95+ lenders
Mortgage deals access	+20,000	"thousands" of deals	+20,000
Specialist schemes	25+ specialist schemes	No published figure	No published figure
Average budget boost	£82,000 average boost	No published figure	No published figure

Trusted by thousands of home buyers across the UK

We simplify the process, cut through the jargon, and use our expertise and award-winning smart tech to find all the ways you could buy sooner, move up the ladder or remortgage, including how you could boost your budget.

See my budget

Single income first-time buyer

Buying with complex income

First-time buyer in London

Using income to boost affordability

Remortgaging to gift a deposit

Acting as a silent guarantor

★★★★★

“Kerry and Elly were amazing with answering our questions, moving the process along, and making the whole process easier. We didn’t have the easiest process with the initial lender, and both were amazing at finding an easier and quicker option"

Lily Olive

First-time buyer, May 2026

★★★★★

Ashley and Gemma have been incredibly supportive, always available to answer questions, and went above and beyond - even working around the clock and on their days off - to secure me the best possible rate.

Callum Board-Lynch

First-time buyer, May 2026

★★★★★

“As a single income first time buyer, I couldn’t have asked for better support… Their professionalism, friendliness, and clear communication made everything feel smooth and stress free.”

Monika Kotowska

First-time buyer, May 2026

★★★★★

"It honestly felt like they wanted us to get this house more than us! That's how invested they were in helping us. For something that we expected to be stressful & overwhelming, Tembo made it feel straightforward and enjoyable."

Mart

First-time buyer, April 2026

Is Tembo the right broker for you?

If you're buying your first home, Tembo is built for you. Here's how we help at every stage of the journey.

You want to know what you can actually afford

Before you book viewings, it helps to know your real number - not the rough estimate a bank gives you. A figure that takes into account every lender & scheme you could be eligible for. Tembo's smart tech does exactly that: it scans 100+ lenders and 25+ specialist schemes to find your true buying budget in minutes.

You want the best deal available for you

Tembo searches 20,000+ mortgage products across 100+ lenders to find the right one for you. Your dedicated team will handle the paperwork & keeps things moving. And with our RateCheck service, you can lock your rate, then ask your dedicated advisor to reapply for you later on if rates drop - so you don't have to watch the market yourself.

You need a boost to reach the home you want

If there's a gap between what you can borrow on your own and what homes cost in your area, specialist schemes could close it. At Tembo, we advise on 25+ specialist schemes includ family mortgages & shared ownership, boosting our customers' budgets by £82,000 on average.

Your income doesn't fit the standard mould

Self-employed, a contractor, a company director, an NHS worker or another qualifying professional? Standard lenders often apply limiting criteria to complex income situations. Tembo has specialist expertise to help borrowers with complex income and unconventional work situations.