On your own
Boost your buying budget without a loved one’s help.
Guarantor Mortgages
Boost your buying budget with the help of family or friends.
Remortgage
Release equity, borrow more or access better rates.
Part Buy, Part Rent
Buy a share of a home and pay rent on the rest.
Standard Mortgage
Buy a home with a repayment mortgage
5.5x Income
Increased borrowing for first-time buyers
Professional Mortgage
Increased borrowing for professionals
Dynamic Ownership
Co-buy with friends or siblings
Deposit Unlock
Buy a new-build home with a 5% deposit
Armed Forces Help To Buy
Borrow up to £25,000 as an interest-free loan
Skipton Track Record Mortgage
Use your track record of paying rent to get a 100% mortgage
Increase your mortgage size with Tembo
Voted Britain’s Best Mortgage Broker 2022 & 2023. We specialise in helping home buyers get a bigger mortgage to buy their dream home. Working with over 100 mortgage lenders, our smart technology gives you an accurate view of what your max mortgage loan could be with help from family, friends or a specialist scheme.
Average £82,000 boost to affordability
Voted the UK's Best Mortgage Broker
Over 20,000 mortgage products
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.
Buy with family or friends' help
Whether you’re looking to co-buy with your siblings or friends, or have a family member who wants to help, we advise on a range of joint mortgage schemes to boost your borrowing capacity.
Guarantor mortgages
Boost your house budget or buy sooner with a guarantor mortgage. There are lots of ways that a loved one can help, from becoming your back up to co-buying with you. We’ve helped thousands of buyers discover how a family assisted mortgage could help them buy their dream home.
Co-ownership
Co-buy a home with up to five others with Dynamic Ownership. If one person puts more in over time, their share in the property will reflect this. So you can all benefit from increased borrowing power and any potential value gains, while keeping things clear and fair.
Increase your budget without family support
If you don’t have access to family support or are looking to afford a mortgage on your own, you're in the right place.
Private Shared Ownership
If you’re struggling to save up a deposit or afford mortgage repayments, Shared Ownership could be the answer. This part buy, part rent scheme lets you get a mortgage on a share of a home, you can then ‘staircase’ to buy more of the property over time when you can afford it.
5.5x income mortgage
Boost your mortgage borrowing capacity with a 5.5x Income Mortgage. If you meet the specific eligibility criteria, you could qualify for a mortgage 5.5 times your earnings. So you could increase your budget by up to 20%.
Professional mortgage
If you work in a professional job, you could borrow up to 5.5x your income, boosting your max borrowing capacity by 20%. Plus, you only need a 5% deposit as long as you're buying a pre-owned home
Key worker or blue light mortgage
Whether you're in the police, a doctor, nurse or teacher, you could borrow up to 6.5 times your salary with an NHS or Key Worker Mortgage to significantly increase your total buying budget.
Buying someone out
Separating from a partner is painful, particularly when a break-up might mean you’re unable to stay in your home. We advise on a range of schemes that can help you buy your ex out of a property - so you can afford your home on your own. To get started, create a personalised plan.
Struggling to save a big enough deposit?
Saving for a house deposit can often take years, especially when the cost of living makes putting money aside even more difficult. Luckily, there are ways to get a bigger mortgage even if you have a low deposit, or even no deposit at all.
Deposit Boost
A loved one can help you buy without having cash savings through a Deposit Boost. they'll release money from their home to add to your house fund or become your whole deposit. With a larger deposit, you can get a more affordable deal or even a bigger mortgage.
Deposit Unlock
With the Deposit Unlock scheme you can buy a new build home with just a 5% house deposit, making it easier to get on the ladder without saving up for years. At Tembo, we have access to all the lenders that provide this scheme to find you the best deal.
Savings as Security
If you have a loved one with cash savings who wants to help you buy, their savings can be used as security for a mortgage, helping boost your affordability. If you have no deposit, this can remove the need to put money aside yourself.
Builder's Gift Deposit
When you buy a new build, your developer will gift you 5% of the house value to top up your deposit. All you have to do is match the deposit amount. We have access to all the developers that provide this scheme. Create a free plan to get started.
Forces Help to Buy
If you are a serving military personnel, borrow up to 50% of your annual salary as an interest-free loan to top up your house deposit, pay solicitor and estate agent fees or fund renovations on a property.
Is your fixed rate mortgage ending?
Unsure whether to stay with your current lender or go elsewhere? If your fixed rate mortgage deal is coming to a close, it’s worth scouting out what options are available to you. We can advise you on what you should do based on your situation and the current market.
Create a Tembo plan to get started or see live interest rates from across the market with our tracker.
The application process
4 simple steps to getting the keys to your new home
Make a Tembo plan
Check your eligibility for a range of buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the budget boosting schemes we advise on.
Find a property
Once you’ve found a property, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
During conveyancing, we’ll liaise with the seller and your solicitors to ensure a smooth purchase. We’ll also provide a free protection review for your insurance needs.
Tried, tested and trusted by thousands of happy customers
It’s our mission to transform homeownership. That’s why our team of expert mortgage advisors and brokers have been trusted by thousands of home buyers and their families.
Read some of our 5* rated reviews from previous buyers and home owners who we've helped boost their mortgage affordability.
Perfect for you
We've hand picked our top guides to answer your mortgage questions. You can explore all of our guides in our Mortgage Guides Hub.
