As a specialist mortgage broker, we work with over 100 lenders and schemes, giving us access to thousands of mortgage products. This means we can find all the schemes you're eligible for and how much they could boost your budget by in an instant - saving you time, effort and money. Your dedicated mortgage broker will then walk you every step of your homebuying journey, right up to getting the keys to your new home.

At Tembo, we pride ourselves on the service we give to our customers. Regardless of how complex your situation is, we aim to deliver an award-winning experience. Because of this, we usually charge a fee for our mortgage advice. Crucially, you will never pay for advice alone. The fee is only payable once you have a mortgage offer from a lender.

A whole-of-market broker searches deals from across the mortgage market rather than from a fixed panel of lenders. That means you're compared against more options - with Tembo, this includes specialist schemes that don't appear on typical mortgage comparison sites. Not all brokers advertised as "independent" are whole-of-market, so it's worth asking!

Tembo's average time from application to mortgage offer is just 10 days. After your initial call, your dedicated mortgage advisor is by your side through your mortgage application, including finding the best mortgage deal for you from across the market. Your case manager then handles your application through to completion, keeping you updated at every stage.

Yes! Tembo Money Limited is authorised and regulated by the Financial Conduct Authority (FCA). For mortgages, Tembo Money Limited is authorised and regulated under registration number 952652. Tembo Savings Limited is authorised and regulated separately for our savings products under registration number 928010 (and as an account information service provider under 913654).

On average, Tembo customers increase their buying budget by £82,000. This comes from our access to over 100 lenders, as well as specialist schemes such as guarantor mortgages, shared ownership and key worker mortgages. Your actual figure depends on your income, deposit and circumstances.