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Fix your interest rate for up to 40-years and increase your borrowing to 6x income. Rates from 5.69%

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Open a Cash Lifetime ISA today and earn 4.30% AER (variable) interest on your savings. Over 5-years, that’s hundreds more in your pocket than with the closest market competitor.


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Increasing buyer’s budgets by an average £82,000

Mortgage affordability holding you back? With a joint borrower sole proprietor mortgage, you can add some of a guarantor's earnings to your household income. Get advice from the UK's Best Mortgage Broker 2022 & 2023.

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British Bank awards 2023 Best Mortgage Broker winner

£82,000 average affordability boost


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Getting started with Tembo

Get your Joint Borrower Sole Proprietor mortgage underway in 3 simple steps


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LTV: 60.00%

The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.

Increase your borrowing power with help from your loved ones

A Joint Borrower Sole Proprietor (JBSP) mortgage adds some or all of a family member or friend's income to your total household income, to increase the amount a lender will let you borrow. It's suitable for buyers, movers and those looking to remortgage, and works to reduce the growing affordability gap.

Your loved one won't be on the property deeds, so you won't lose any first-time buyer relief, and there's no tax implications for them. Like a guarantor, they will only need to step in if you cannot make the monthly repayments.

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