Buy a home HoverArrow

Remortgage HoverArrow


Purchase HoverArrow

Remortgage HoverArrow

Buy to Let HoverArrow

Increase your affordability HoverArrow

With a guarantor

Increase your affordability HoverArrow

Without a guarantor

NEW: long-term fixed rate

Fix your interest rate for up to 40-years and increase your borrowing to 6x income. Rates from 5.69%

Learn more
Discover all our mortgage schemes

Lifetime ISA HoverArrow

Latest Articles HoverArrow


Save with the market-leading rate

Open a Cash Lifetime ISA today and earn 4.30% AER (variable) interest on your savings. Over 5-years, that’s hundreds more in your pocket than with the closest market competitor.


Latest articles HoverArrow


Buy a home HoverArrow

Remortgage HoverArrow

Mortgage loginCheck my affordability

Reduce your mortgage repayments

Struggling to keep up with your monthly costs, or worried about remortgaging onto a higher rate? You're in the right place! Discover how you could reduce your mortgage repayments today, with the UK's Best Mortgage Broker.

Get started
British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


Voted the UK's Best Mortgage Broker


Access to +20,000 mortgage products


£82k average affordability boost

How to reduce your mortgage payments

There are a couple of ways you can reduce your mortgage costs, either by boosting your affordability to access lower rates or switching to an interest-only or part and part mortgage. See which of the below options you're eligible for by creating a free plan today.

Create my plan

Choose a longer term

As long as you meet the lender’s age requirements, you could extend your mortgage term to pay less each month, but over a longer term.  You’ll pay more interest overall, but you don’t have to stick with the longer term indefinitely.

See if I'm eligible

Switch to a part and part mortgage

Reduce your monthly costs while still paying off some of your loan with a part interest, part repayment mortgage. You'll have a smaller loan to pay back at the end of your term in comparison to interest-only, and will pay less interest overall.

Change to interest-only

Switching to an interest-only mortgage can be used as a tool to keep repayments affordable, but should be used as a short-term solution. Otherwise you’ll have to pay your remaining mortgage balance at the end of your term.

Improve your credit rating

Having a low credit score tends to limit your mortgage options and could mean you'll be offered much higher rates. By improving your rating in the run-up to your remortgage, you could access better rates.

Make an overpayment

Depending on the loan-to-value (LTV) percentage of the mortgage, it could be worthwhile making a lump sum overpayment to reduce your loan size. With a smaller mortgage, your monthly costs will be cheaper.

Use an offset mortgage

If you have a large amount of savings, you can use an offset mortgage to link your home loan with your savings to ‘offset’ your mortgage debt. This means you’ll only pay interest on the difference between the two.

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


See today's best mortgage rates

In a turbulent market, it can be difficult to find the best rates or deal for you. We can advise you on what you should do to reduce your mortgage repayments and make your monthly costs more manageable, based on your situation and the current market.

Create a Tembo plan to get started or compare live interest rates from across the market on our comparison page.

Compare mortgage rates

Compare 20,000+ mortgages from over 100 lenders


LTV: 90.00%

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

Tried, tested & trusted by thousands

Read some of our 5* rated reviews from home owners who we've helped to remortgage to a new mortgage deal. Create a free Tembo plan for a personalised remortgage recommendation.

Make a plan

Got questions? We've got answers

See all FAQs

Frequently asked questions

See all FAQs

Learn more

See all guides