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Standard Mortgage

On your own

Looking for a Standard Residential Mortgage? Talk to Tembo.

Buying a home is one of the biggest financial decisions you’ll ever make. And unless you’re lucky enough to buy outright, choosing a mortgage is a vital step in the journey. Learn more about Standard Residential mortgages below.

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British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


Fixed & variable rates available


LTV ranging from 60-95%


Available for all property types

How does it work?

With a standard residential, repayment mortgage, you’ll put down a house deposit and borrow the remainder from your mortgage lender.

Over the course of the mortgage term, you’ll pay off the loan by making monthly repayments. These pay off the amount you’ve borrowed - the capital - as well as the interest charged by your lender.

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Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


Things to consider

All mortgages have risks and benefits. Here are some key things you should know before applying for a residential repayment mortgage.


What are the benefits?

Competitive interest rates

Most mortgage lenders, from big high-street banks to specialist lenders, offer repayment mortgages. This means you might be able to choose from a wider range of mortgages and interest rates than if you opted for a more niche product.

Different mortgage types available

You can pay back the interest on your mortgage in different ways. The most popular option in the UK is a fixed-rate mortgage, where you fix in a rate for a number of years, but you can also explore variable rates which go up and down in line with the base rate or your lender’s standard variable rate.

Keep it simple by buying on your own

You (and anyone else you’re buying with) can keep it simple: no guarantors, private equity loan lenders or housing associations are involved.

Risks and considerations

You can only borrow 4-4.5x your income

Most mortgage lenders will offer you between 4-4.5x your total income, although this will be impacted by your credit score, expenses and if you’re self-employed. This may not be enough to get the home you want.

Interest rates are impacted by your deposit

The deals available to you are largely determined by the size of your deposit. If you have the minimum 5% deposit, you will get less favourable rates than if you had a larger deposit of say 10% or 20%.

Your home is at risk

A mortgage is a big commitment. If you aren’t able to keep up with monthly repayments, you could lose your home. It’s always worth exploring income protection and life insurance, to ensure you’re protected if the unexpected happens.

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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 Standard Residential Mortgage, as well as our other buying schemes. Plus, you’ll get a personalised 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 Standard Residential Mortgages and any other schemes.


Apply for a mortgage

Once you’ve found a property, your dedicated advisor will undertake full affordability and submit a Decision in Principle with your chosen lender. Once accepted, we’ll submit a full mortgage application for you.


Make home happen

During the conveyancing process, we’ll liaise with the developer or seller and your solicitors to ensure a smooth purchase. We’ll also provide a free insurance protection review, so you’re covered if the unexpected happens.

Other schemes you might like

Explore our other schemes to discover alternative ways to buy

See all schemes

On your own

5.5x Income

If you’re a first-time buyer, borrow up to 5.5 times your salary to boost your buying budget.

See details

With a guarantor

Income Boost

Add some or all of a guarantor’s earnings to your household income to boost your mortgage affordability.

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Femaily remortgage

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.

See details

Learn more

Confused by mortgages? Read our guides for expert tips.

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Other mortgage schemes

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


Standard Mortgage

Right to buy

Self Employed

Tier 2 Visa

Deposit Unlock

Armed Forces Help To Buy

Shariah mortgage

Increase your affordability

With a guarantor