Say hello!

Yes. Providing you’re eligible for either a Deposit Boost, then we will create a deposit for you with the help of your homebooster. The ‘boost’ can be a loan against your homebooster’s property with the proceeds put towards your deposit.  Our smart technology will calculate the optimum amount to help you buy your dream property in the most affordable way.

If there’s no homebooster in the picture, but you’re eligible for a mortgage, then we can absolutely help you. Complete a plan online and book a call in with our team.

To ensure you get the best possible service no matter how complex your situation, Tembo usually charges a fee for mortgage advice. The fee isn't payable until you have a mortgage offer from a lender, so you'll never pay for advice alone. For a standard mortgage, the fee is £499, and for a Boost mortgage or complex cases it is up to £749.

Why? Well, you'll get expert advice from a fully qualified specialist, who will create a bespoke mortgage plan that's right for you. You'll also get access to over 100 lenders, with many options not found on the high street or through other channels, exclusively available to Tembo. Plus we'll do all the hard work, so you don't have to! We'll help you find the right mortgage and conveyancer, and we'll liaise with your solicitor and estate agent once your offer has been accepted.

Some mortgage brokers are ‘tied’, meaning they only have access to a few panels of lenders. At Tembo, we have access to over 100 lenders, and over 20,000 products. These include high-street banks like Barclays and MetroBank, building societies like Skipton, and specialist lenders like Generation Home, Livemore and Proportunity.

A homebooster is a willing family member, or in certain cases a close friend, who would like to help a home buyer.  There are broadly two ways the homebooster can help. They can either provide a Deposit Boost which is a small mortgage against a property they already own, with the proceeds used to increase the size of the home buyer's deposit. Alternatively, if they don’t own a property or would prefer not to take on a mortgage on it, they could consider an Income Boost.  An Income Boost is where the family member in effect allocates some of their income to the home buyer's mortgage so the homebuyer can borrow more.  The home buyer can pay the monthly repayments, but in the event they were unable to pay the family member would be responsible.

This depends on what support, if any, you decide to give.  For a Deposit Boost as with any loan, the risk is that if repayments aren’t made, your home may be repossessed.  For an Income Boost in the event the homebuyer was unable to pay the family member would be responsible. Our mortgage advisors will work with you to ensure that the boost is affordable based on any income you may have as well as your pension.

In order to benefit from the lower interest rates on the first-time buyer mortgage, the money must be formally gifted by the homebooster to the homebuyer at the time of the mortgage application. However, there is nothing to stop this gift from being returned at a later date - it all depends on the wishes and financial position of those involved.