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Let's make home happen.

Voted Britain's Best Mortgage Broker 2022. We specialise in increasing your borrowing budget using a range of schemes, including family guarantor mortgages, shared ownership and equity loans as well as specialist products for those buying on their own. So don't struggle alone, try Tembo

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Discover how much you could borrow

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We advise on a range of schemes tailored to your needs

On average we've increased customers borrowing budgets by £82,000

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Help from your Family (Guarantor)

Whether your mortgage guarantor is using their income, property or savings, Tembo offers a range of products designed for families to support their loved ones get their first home.

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Buy a share of a home

We advise on government and private shared ownership schemes as well as new and innovative help to buy equity loan products to help you become a homeowner.

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Buy on your own

If you don't have access to family support, Tembo also offer various home buying schemes that can boost your borrowing when buying or remortgaging on your own or with a partner.

Expert advice, from people that care.

Whether you're trying to remortgage with reduced affordability or buy your first home, get expert advice from our award-winning team to help you navigate a changing mortgage market.

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Income Boost

An Income Boost Mortgage is a way of allocating some or all of a family member or friend's income to a mortgage to boost the buyer's borrowing potential.

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INCOME BOOST
Matches your preferences

With an Income Boost, you could buy that property worth £180,000

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An Income Boost allows you to add your booster’s income of £40,000 to your own to increase your borrowing.

Loan amount

£160,000

Product fee

£1,800

Interest rate

3.1%

Monthly payment

£614

Get some advice from a Tembo expert

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What is it?

Otherwise known as a Joint Borrower Sole Proprietor (JBSP) mortgage, an Income Boost mortgage allows you to add some or all of a family member or friend's income to your mortgage.

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Why use an Income Boost?

Mortgage lenders typically let you borrow between 4-5x your income, which is often not enough to buy the home you want. Our average Boost users have increased their buying budget by £64,000.

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What’s the impact on a Booster?

They are jointly responsible for the mortgage & liable to support mortgage payments if you were unable to pay. However they aren't listed on the deeds, so there's no stamp duty liability.

DEPOSIT BOOST

With a Family Deposit Boost, you could buy that property worth £180,000

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A Family Deposit Boost is two seperate mortgages. 1 mortgage for you, and 1 remortgage for a family members' property.

BUYER’S MORTGAGE

Loan amount

£138,500

Product fee

£1,559

Interest rate

1.2%

Monthly payment

£413

BOOSTER’S REMORTGAGE

Loan amount

£41,500

Product fee

£0

Interest rate

2.59%

Monthly payment

£51

Get some advice from a Tembo expert

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Family Deposit Boost

A Family Deposit Boost is a safe & ethical way to release money from a friend or family members property to top up an existing house deposit or create one from scratch.

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What is it?

A Deposit Boost is a remortgage taken out by a family member or friend on their property to release money. The proceeds are then gifted to the buyer to put towards their deposit.

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Why use a Deposit Boost?

By increasing your deposit, you could buy your home sooner, fill an affordability gap and access lower interest rates. On average, it saved our users £14,000 in interest over a 5-year term.

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What’s the impact on a Booster?

As the Deposit Boost is in the Booster's name, they are responsible for the mortgage payments, although these are typically much lower than a purchase mortgage as they are borrowing less.

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Our best mortgage interest rates from over 100 lenders

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Why choose Tembo?

What's so special about Tembo? We'll tell you in five reasons.

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How do I get started?

How to get a mortgage with Tembo in 6 simple steps

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With an Income Boost, you could borrow up to £173,000 That means with Tembo, you could aim for a home worth £183,000.

Take a look under the hood

With an Deposit Boost, you could borrow up to £323,000 That means with Tembo, you could aim for a home worth £333,000.

Take a look under the hood

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Chat to an expert

Complete our short form to get an estimate of how much you could borrow. If we can help, you'll be able to book a free, no obligation call with one of our CeMAP qualified advisors.

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Join over 20,000 happy home buyers

Thousands of first time home buyers and movers have used Tembo to discover how they could buy their dream home.

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“Highly recommend Tembo! As a first-time buyer they made our experience very easy and worked super fast around the clock to answer and help us through the mortgage process! Would be lost without them...”

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Bibinaz

First-time buyer

Got unanswered questions about Tembo?

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Want to learn more about Tembo's products?

Download our Booster guide to get into the nitty gritty of how your family member could help you buy your dream home.

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