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Co-buy with family with a Dynamic Income Boost

Add some or all of a family member’s earnings to your household income to increase your budget. They can choose to build up an equity stake by contributing to the repayments, but won’t own your home.

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Suitable for buyers & movers


Buy with up to 5 other applicants


Requires the support of a close relative

How does it work?

A Dynamic Income Boost is a joint borrower sole proprietor mortgage, where a guarantor’s eligible earnings are added to your household income. But unlike our standard Income Boost, they can also contribute to your monthly payments in return for equity in your home.

Each owner’s share is individual and will reflect how much they contribute to the repayments over time, as well as any change in the property’s value.

This can be suitable if you have family who want to help, but you (or they) want a potential upside from their support.

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Things to consider

All mortgages have risks and benefits. Here are some key things you should know before applying for a Dynamic Income Boost


What are the benefits?

Increase your borrowing power

With up to 6 people on the mortgage application, you’ll have a larger total income which significantly increases the amount a lender is willing to let you borrow.

A stepping stone to independence

If you can afford the mortgage by yourself in the future and can buy your loved one’s share, you can remove them from the mortgage using a transfer of equity.

First-time buyer stamp duty relief is not affected

As your Booster isn’t on the deeds of the property, having a family member on your mortgage doesn’t impact any first- time buyer stamp duty you might be eligible for, and your Booster’s tax position won’t be affected either.

Your Booster could benefit financially

Some buyers find it uncomfortable to receive support from a guarantor while offering nothing in return. A Dynamic Income Boost is a way for your loved ones to help you buy, while also benefitting from any property price gains if they contribute to monthly repayments.

Risks and considerations

Everyone on the mortgage is liable for the debt

Your Booster doesn’t have to contribute to monthly repayments, but if you fail to pay, they will be required to step in. If no one makes the payments, this will impact the credit history of each applicant and could result in your home being repossessed.

Your Booster’s age could impact your repayments

Most lenders cap the mortgage term based on the age of the oldest applicant. If your Booster is over the age of 60, this means your mortgage term could be shorter than is usual, and therefore the monthly repayments would be higher.

All applicants will go through affordability checks

We need to ensure the mortgage is affordable for all applicants. Our assessment includes providing proof of income, outgoings, identification and a credit check.

Your Booster can’t live in the property with you

Any applicant who is going to live in the home will need to go on the mortgage as an owner (rather than a Booster).

Only close relatives are eligible

That includes parents, grandparents, siblings, aunts or uncles.

Got questions? We've got answers

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Frequently asked questions

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The application process

Get into your very own home in 4 simple steps


Make a Tembo plan

In under 10-minutes we’ll check your eligibility for a Dynamic Income Boost mortgage as well as our other buying schemes. Plus you’ll get a personalised mortgage recommendation including interest rates and repayments.


Talk to an expert

Book a call with our mortgage experts to complete the qualification process. We’ll cover any questions you might have about Dynamic Income Boost and any other schemes.


Apply for a mortgage

Your dedicated advisor will undertake full affordability with you & your Booster, and prepare an application with your chosen lender. As part of the application process, we’ll help to arrange for your Booster to get Independent Legal Advice.


Make home happen

During the conveyancing process, we’ll liaise with the seller and your solicitors to ensure a smooth purchase. We’ll also provide a free protection review. Your case manager will be on hand all the way through to move in day!

Other schemes you might like

Explore other buying schemes to see alternative ways to buy

On your own

Deposit Unlock

Purchase a new build home from a participating home builder with just a 5% deposit.

See details

With a guarantor

Deposit Loan

Boost your deposit with help from family or friends in return for a share of your home

See details

Part buy part rent

Shared Ownership

Buy a share of a home, and pay rent on the rest. Over time, you can staircase to full ownership.

See details

Learn more

Confused about mortgages? Read our guides for expert tips.

See all guides

Other mortgage schemes

You can be snug in your very own home in 4 simple steps

On your own

Standard Mortgage

5.5x Income

Professional Mortgage

Dynamic Ownership

Deposit Unlock

Armed Forces Help To Buy

Family remortgage