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Buy your home with help from your family

We’re the UK’s leading family mortgage broker. With the support of your loved ones, we help you to increase your deposit, or boost your income so you can buy a home sooner. 

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The UK's leading family mortgage broker

And we're pretty proud of it too!

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Buying a home is harder than ever

Tembo is championing a new and fairer way - helping a new generation of buyers get a foot on the ladder or buy their next home with the support of their loved ones.

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Get a mortgage with your family

Our innovative products help increase the amount you can borrow. Increase your deposit using a Deposit Boost or boost your income with our Income Boost mortgage.

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Get a Tembo plan online

Your Tembo will show you how much you can borrow and provide you with a downloadable mortgage in principle.

Income Boost Mortgage

An Income Boost Mortgage is a way of allocating some or all of a family member or friend's income to a mortgage to boost the buyer's borrowing potential.

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More about Income Boost Mortgage

  • What is it?

    Also known as a Joint Borrower Sole Proprietor (JBSP) mortgage, an Income Boost Mortgage lets you add another borrower (up to 4) to your mortgage. Unlike standard mortgages the additional borrower will not own the property or be named on the mortgage deeds.

  • Why use an Income Boost?

    Quite simple really - if you need to increase your income to borrow the amount you need. Lenders will typically lend between 4-5x your income which can often not be enough to buy the home you want.

  • What impact does it have on the Buyer & Booster?

    Both applicants will be responsible for the mortgage payments but only the buyer will own the property. This means there is no stamp duty liability for the Booster.

Deposit Boost

A Deposit Boost is a safe & ethical way to release money from a friend or family members property to top up an existing house deposit or create one from scratch.

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More About Deposit Boost

  • What is it?

    A Deposit Boost is a form of remortgage taken out by your family member or friend on their property. The proceeds are then gifted to the buyer to put towards their deposit.

  • Why use a Deposit Boost?

    The main reason is so you can buy your home sooner. You could also use it to reduce your Loan-to-value (LTV) so you can access lower interest-rates.

  • What impact does it have on the Buyer & Booster?

    As the Deposit Boost is a mortgage held in the Booster's name they are responsible for keeping up the mortgage payments, although these are typically much lower than a purchase mortgage as you are borrowing less.

How to get a mortgage with Tembo

A step-by-step guide

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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

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Chat to one of our 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 CeMAP qualified advisors.

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Join over 20,000 home buyers

Thousands of others have used Tembo to discover how they could buy their dream home.

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“Highly recommend Tembo! As a first time buyer they made our experience very easy and worked super fast around the clock to answer and help us through the mortgage process! Would be lost without them...”

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Bibinaz

First-time buyer

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Want to learn more about Tembo's products?

Download our Booster guide to get into the nitty gritty of how your family member could help you buy your dream home.

Download the guide

Frequently Asked Questions

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