Looking for stability in a turbulent market? Fix your interest rate for up to 40-years and increase your borrowing to 6x income with a long-term fix. No need to remortgage every few years, and no worries about rising interest rates.

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Discover your buying budget

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Discover how much you can really borrow.

I want to

Purchase

Remortgage

My household income is

I’ve a deposit of

Property price

If you’re unsure enter an estimate

Fix your interest rate for 20-40 years

Minimum 5% deposit for non new-build

Borrow up to 6x your income

Getting started with Tembo

Get your mortgage underway in 3 simple steps

Discover your true affordability

We compare your eligibility for over 100 lenders and 15 specialist mortgage schemes in seconds. Input a few details and we'll generate a recommendation that reveals your true borrowing potential.

Compare live rates & repayments

Your recommendation will show live interest rates & indicative monthly repayments for mortgages, as well as standard schemes. Plus video explainers, so you can confidently assess your options.

Speak to an expert in 5-minutes

Book in a free, no-obligation call with one of our award-winning experts. They'll answer all your mortgage questions, and set you up with a dedicated advisor as soon as you're ready to progress.

How does it work?

Fixed-rate mortgages are incredibly popular in the UK, around 74% of mortgage holders have one. During the fixed rate period - usually 2-5 years - your interest rate is locked in, meaning your monthly repayments don't change. With a long-term fixed rate mortgage, you can fix for up to 40 years. This gives you certainty for the decades ahead, protecting you from rising interest rates and removing the stress of remortgaging every couple of years.

These customers found great mortgage deals through Tembo

Got questions? We've got answers

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Frequently asked questions

In 2024, 2023 and 2022 we were voted the UK’s Best Mortgage Broker by our customers at the British Bank Awards. We specialise in helping buyers, movers and remortgages boost their affordability. Thousands have already used Tembo to discover how they could afford their dream home. Our smart decisioning tech and mortgage experts will find the best way to boost your budget from over 100 mortgage lenders, including high street banks and innovative first time buyer schemes. So you can get a solution in an instant, plus benefit from our expert advice and access some of the best rates available.

With a long-term fixed rate mortgage, you can borrow up to £1 million to purchase a property, but the amount you will be offered will also be impacted by your household income and deposit size.

Yes, you can use a long-term fixed rate mortgage to borrow into retirement. In order to quality, you need to have at least 70% LTV (a.k.a you own at least 30% of your property's value) where the oldest applicant is aged 65 or above, and their age at the end of the mortgage term is over 85. Your affordability will also take into account your current retirement income.

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Tembo is a multi-award winning savings & mortgage platform, on a mission to help first-time buyers, movers & remortgagers overcome the affordability gap. We’ve already helped thousands to save a deposit sooner and make home happen.

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Cash Lifetime ISA
Stocks & Shares Lifetime ISA
Cash ISA

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year

Important to know

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

For insurance business we offer products from a choice of insurers. Tax treatment depends on individual circumstances and may be subject to change in the future. The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time.

Mortgages and Insurance

Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. See full details of all claims and figures shown on this website at our Transparency page. You may have to pay an early repayment charge to your existing lender if you remortgage. Tembo typically charges a fee for its mortgage advice, payable on mortgage offer, which ranges from £299-£749.

Savings

If you open a Tembo Stocks & Shares Lifetime ISA, the value of your investment could go up as well as down. Past performance is not a reliable indicator of future results, and your capital is at risk, meaning you could get back less than you put in. We do not provide investment advice, so please be sure that investing is right for you by making your own decisions or seeking advice.

Tembo, Tembo Savings, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA and Nude are trading names of Tembo Savings Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 928010) and registered as an account information services provider (FRN: 913654). We are a private limited company registered at 18 Crucifix Lane, London, SE1 3JW, with registration number 12008146.

Fix for life with a long-term fixed rate mortgage