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Increase your mortgage size with Tembo

Voted Britain’s Best Mortgage Broker 2022. 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.

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Discover how much you can really borrow.


Average £82,000 boost to affordability


Voted the UK's Best Mortgage Broker


Over 20,000 mortgage products

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.

See what I'm eligible for

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.

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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.

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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.

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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%.

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.

Explore low deposit mortgagesCheck my eligibility

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.

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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, a Savings as Security mortgage could be the answer. Their savings are used by the lender as security for a mortgage, helping to boost your affordability. If you have no deposit saved, this can remove the need to put money aside yourself. At the end of a fixed term, they'll get their savings back, as long as you make all of your mortgage payments.

Builder's Gift Deposit

When you buy a new build that's part of the Builders Gift scheme, your developer will gift you 5% of the property value to top up your deposit. All you have to do to get the maximum 5% deposit top up is match the deposit amount, so putting in 5% yourself. At Tembo, we have access to all the developers that provide this scheme to find the best one for you. To find out more, create a free Tembo plan to get started.

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.

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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.

My Mum came across Tembo and their Income Boost. We managed to speak to a broker the next day. The additional budget we get from the Income Boost is a game changer in our property search. It means we can buy in the area we want to!


Tembo Customer

Looking to help a family member?

Buying a home is harder than ever. But with family support, more first time home buyers can become homeowners.

If you’re looking for ways you could help a loved one get a home of their own, you’re in the right place. We offer alternative ways for first time buyers to purchase a home with help from family and friends.

Learn more

We’ve helped thousands of buyers discover how they could buy their dream home

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 our customer testimonials to find out more about their individual stories, and how Tembo helped them become homeowners.

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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.

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