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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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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.

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Discover how much you can really borrow.


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.

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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.

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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.


Whether you want to fund home improvements, consolidate debts, buy out other owners or help a loved one buy their first home, Tembo can help.

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.

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Product transfer

Looking to remortgage with the same lender? We can help you see what deals from your current mortgage lender you could be eligible for, and guide you through the product switch process.

Move to a new deal

If your fixed rate mortgage is coming to an end, then remortgaging onto a new deal is essential. We can help you see if there's a better deal available.

Reduce your repayments

Struggling to afford your monthly repayments or can't remortgage? We can help you discover how you could boost your affordability and access better remortgage deals.

Release money or borrow more

Whatever your reason for wanting to release money from your property or borrow more, we can help you find the best remortgage deals to do so from our panel of over 100 lenders.

Staircase with shared ownership

Are you looking to remortgage a shared ownership property? You're in the right place! We could help you find the best deal to staircase up to 100% ownership over time.

Pay back your Help to Buy loan

Looking to remortgage to pay back your Help to Buy loan? We can help you find the best way to release equity from your home, so you could pay back your equity loan.

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

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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.


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.

No deposit Rent to Own

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.


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.

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