In 2024, 2023 and 2022 we were voted the UK’s Best Mortgage Broker by our customers at the British Bank Awards. We specialise in helping buyers, movers and remortgages boost their affordability. Thousands have already used Tembo to discover how they could afford their dream home. Our smart decisioning tech and mortgage experts will find the best way to boost your budget from over 100 mortgage lenders, including high street banks and innovative first time buyer schemes. So you can get a solution in an instant, plus benefit from our expert advice and access some of the best rates available.

As a specialist mortgage broker, we work with over 100 lenders and schemes, giving us access to thousands of mortgage products. This means we can find all the schemes you're eligible for and how much they could boost your budget by in an instant - saving you time, effort and money. Your dedicated mortgage broker will then walk you every step of your homebuying journey, right up to getting the keys to your new home.

There are various ways you can increase your affordability, from improving your credit score to cutting back spending. If you have family who would like to help, they could also become a guarantor to increase your borrowing potential, or reduce the amount you need to borrow by gifting or lending you money to increase your equity stake. Talking to affordability experts like Tembo can help you identify the best areas to work on to improve your affordability.

Yes, by having a guarantor on your mortgage application, you can get a bigger mortgage. This is by either putting down a larger house deposit, using your guarantor’s savings as security or adding your guarantor’s earnings to your application. However, in order to receive a mortgage offer, both you and your guarantor need to pass the lender’s affordability checks.