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The UK's guarantor and joint mortgage specialists

With a little help from your family, a guarantor or joint borrower mortgage could help you borrow more so you can afford the home you want to buy. 

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Discover how much you could borrow


We advise on a range of guarantor products

Guarantor Mortgages

A guarantor mortgage is a way of securing a mortgage when you lack the required deposit or have financial circumstances that may discourage lenders, such as poor credit history.

When someone agrees to act as a mortgage guarantor for you, they commit to covering the repayments if you fail to keep up.

Joint Borrower

A Joint Borrower Sole Proprietor Mortgage (JBSP) is where two borrowers use their joint income figures to apply for a mortgage. We call this an Income Boost.

Only those that live in the property, usually an individual or couple, own the property (the proprietor) and both are responsible for the mortgage repayments.

Deposit Boost

A deposit boost is where a home-owning friend or family member releases a small amount of cash from the property to put towards the buyers deposit.

These are two separate mortgages: one for the home owner (or booster) and one for the buyer. This means they are each individually liable to keep up the mortgage payments.

How does Tembo work?

Get a personalised online recommendation and book a free advice call


Step 1 - Check your eligibility

Register online and our smart technology will scan the market to find the best deal for you and provide you with a Mortgage in Principle


Step 2 - Chat to an expert

One of our CeMAP qualified mortgage experts have access to over 20,000 mortgage products from across the market and will advise you on your options.


Step 3 - Mortgage Application & Offer

Once we've found a suitable lender and you're ready to proceed, we'll submit your application and guide you through to completion.

How Tembo works

Our step by step guide


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


Speak to one of our guarantor mortgage experts

Complete our short form and we will give you an estimate of how much you could borrow. If we can help, you'll be able to book a free, no obligation call with one of our advisors.

Get started

Why Tembo?


We're authorised and regulated by the FCA

All our mortgage brokers are CeMAP qualified to give you advice.


Our interest rates start from 3.5%

And we'll make sure you get the right product for you at the best possible rate.


We compare 20,000 products from 80+ lenders

Meaning we'll find you the right deal for you and your family.

Join over 9,000+ Customers

Thousands of other home buyers are using Tembo to buy their home.

View Testimonials

“I can't thank the team at Tembo enough for their advice on the various options available to our family to help both my sister and I onto the property ladder. Thank you Tembo!”



Family guarantor mortgage

Find out more about Guarantor mortgages and how they could work for you


A comprehensive guide which covers all you need to know about Guarantor Mortgages

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Joint borrower sole proprietor mortgages are one of the most popular guarantor products

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Some tips on talking to family about getting a hand onto the property ladder

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