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
We advise on a range of schemes tailored to your needs
On average we've increased customers borrowing budgets by £82,000
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.
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.
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.
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.
With an Income Boost, you could buy that property worth £180,000
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
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.
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.
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.
With a Family Deposit Boost, you could buy that property worth £180,000
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
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.
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.
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.
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.
Our best mortgage interest rates from over 100 lenders
Why choose Tembo?
What's so special about Tembo? We'll tell you in five reasons.
How do I get started?
How to get a mortgage with Tembo in 6 simple steps
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
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.
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.
View Testimonials
Got unanswered questions about Tembo?
See all our FAQ’s
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.
Download the guide
