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.
Family Remortgage
Build a house deposit using a loved one’s existing property.
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
Explore our range of buying schemes and specialist mortgages
We are an award-winning mortgage broker specialising in helping first-time buyers, movers and remortgagers bridge the growing affordability gap. We do this by advising on a range of specialist buying schemes that help our customers discover their true buying budget and get on the ladder sooner.
Buying on your own
Boost what you can afford without family support, whether you're buying solo or with a partner.
Standard Mortgage
This is a standard repayment mortgage: you’ll put down a house deposit and borrow the remainder from your lender.
5.5x Income Mortgage
Borrow up to 5.5 times your salary to boost your buying budget with a 5.5x Income Mortgage.
Professional Mortgage
Whether you're a vet, doctor, lawyer or accountant, borrow up to 5.5 times your salary to increase your buying budget.
Forces Help To Buy
If you're a serving military personnel, you could borrow up to 50% of your salary to boost your buying budget with the Forces Help To Buy scheme.
Deposit Unlock
Purchase a new build home from a participating home builder with just a 5% deposit with the Deposit Unlock scheme.
Key Worker or NHS Mortgage
Whether you're a firefighter, doctor, nurse or teacher, borrow up to 6.5 times your salary with an NHS or Key Worker Mortgage to significantly increase your buying budget.
Using a Guarantor Mortgage
Buy with help from a loved one, using their savings, pension or income to increase your affordability.
Income Boost
Add some or all of a guarantor’s earnings to your household income to boost your mortgage affordability.
Deposit Loan
Boost your deposit with help from family or friends in return for a share of your home.
Savings as Security
With the help of a loved one’s cash savings, you could get a mortgage with as little as 0% deposit.
Dynamic Income Boost
Add some or all of a guarantor’s earnings to your income to boost your budget & track their support.
Family remortgage
Build a deposit or increase your borrowing by releasing equity from a family member's property.
Deposit Boost
Unlock a gifted deposit from a loved one’s property to create a house deposit from scratch or top up your existing deposit.
Part buy, part rent
Buy a share of a home and pay rent on the rest. Over time, you can staircase up to full ownership.
Government Shared Ownership
Buy a share of a home, then pay rent on the rest with the government's Shared Ownership scheme. Over time, buy more of the home till you have full ownership
Your Home
Buy a share of a home, then over time purchase more of the property or choose to sell your share. Plus, benefit from any property gains on your share and 50% of the value increase on the share you didn't buy.
Wayhome
Buy a share of a home worth 10x your income then pay rent on the rest. You can choose to buy more of the property each month or in lump sums when you're ready.
Keyzy
Build up equity in a home you live in while renting - without needing any deposit. Your monthly payments will be made up of your rent, plus an extra 1.5% which is put towards paying off the home.
StrideUp
Buy a share of a home, then each month make one payment made up of rent and purchase payments. Stay for the whole term to own 80% of the home outright. You can also choose to buy StrideUp's 20% share to own the home fully.
Shariah Compliant Islamic Mortgages
Explore the range of home purchase plans that could help you get a place of your own. All schemes are certified Shariah-law compliant by either the Islamic Council of Europe or Amanah Advisors.
The application process
4 simple steps to getting the keys to your new home
Make a Tembo plan
Check your eligibility for our full 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.
